Free Net Worth Calculator
Your net worth is the simplest measure of your financial position: everything you own, minus everything you owe. This free net worth calculator does that subtraction for you. Enter your assets and liabilities, and your result updates instantly as you type. There is no sign-up and no button to press.
It works in nine currencies (USD, GBP, CNY, JPY, AED, QAR, SAR, CAD and AUD) and is not tied to any one country’s banking or tax rules. It runs entirely in your browser, so the numbers you type stay on your device.
Net Worth Calculator
Calculate what you own minus what you owe for a simple financial snapshot.
Your assets
The current value of things you own. Leave a field blank if it doesn't apply.
Your liabilities
Outstanding balances you owe. Leave a field blank if it doesn't apply.
Financial summary
Privacy: this standalone calculator does not send, collect or store your entries — everything runs locally in your browser and disappears when you leave or refresh the page.
What is Net Worth?
Net worth is your total assets minus your total liabilities. Assets are things of value that you own, such as cash, savings, investments, property and vehicles. Liabilities are the money you owe, such as a mortgage, credit card balances and loans.
A positive result means you own more than you owe. A negative result means the opposite. That is common early in life, or after taking on a mortgage or student loans, and it says little about where you will end up. What matters is the direction over time.
How to Use the Net Worth Calculator
- Choose your currency. Pick the currency you are using for all your figures. This only changes how numbers are displayed. It does not convert one currency into another, so enter every amount in the same currency.
- Fill in your assets. In the “Your assets” column, enter the current value of each item. Leave a field blank if it doesn’t apply to you.
- Fill in your liabilities. In the “Your liabilities” column, enter the outstanding balance you still owe. Use the remaining balance, not the original loan amount or your monthly payment.
- Read your result. The top card shows your estimated net worth, and the bar beneath it shows how your assets compare with your liabilities. The Financial summary repeats your three totals in one place.
- Start again if needed. Press “Reset amounts” to clear every field. This is also handy for “what if” checks, such as seeing how paying off a loan would change your total.
Entering numbers correctly: use plain numbers. Commas are optional (12,500 works) and a dot marks decimals (12500.50). Do not type currency symbols, letters or negative signs. If a field has an invalid amount, it turns red and is left out of the totals until you fix it.
What to Enter in Each Field
Assets
- Cash: notes and coins you hold.
- Bank accounts: the current balance of your checking or current accounts.
- Savings: balances in savings accounts.
- Investments: the current market value of stocks, funds and bonds. You can also record crypto holdings here, or under Other assets. Pick one place and stay consistent.
- Retirement / pension: your retirement savings, if you have any.
- Property: what your property would realistically sell for today, not what you paid for it.
- Vehicles: the likely resale value, not the purchase price.
- Other assets: other valuable possessions you could sell.
Liabilities
- Mortgage: the remaining balance on your home loan.
- Credit cards: unpaid balances across all your cards.
- Student loans: the outstanding balance on any education debt.
- Car loans: the remaining balance on vehicle financing.
- Personal loans: money borrowed from banks or lenders.
- Other debts: any other money you owe, such as informal loans or unpaid bills.
A Quick Example
Say someone has 1,000 in cash, 4,000 in bank accounts, 10,000 in savings, 15,000 in investments, a property worth 200,000 and a vehicle worth 12,000. Their total assets are 242,000.
They also owe 150,000 on a mortgage, 2,000 on credit cards and 6,000 on a car loan. Their total liabilities are 158,000.
Net worth = 242,000 − 158,000 = 84,000
How to Read Your Result
One number rarely tells the full story, so treat it as a starting point. Net worth tends to rise with age, and the same figure can mean very different things at 25 and at 55. Compare yourself with your own past results first. Tracking your net worth every few months shows whether you are moving in the right direction.
If you do want an outside benchmark, remember that the median (the midpoint) is more representative than the average, because a small number of very wealthy households pulls the average up. For example, the U.S. Federal Reserve’s 2025 Survey of Consumer Finances put the median American family’s net worth at about $215,900, against a mean of about $1.24 million. Those figures are specific to the United States and will differ from country to country.
Important Note
- No currency conversion. Changing the currency only changes the symbol and number format. If your assets or debts are in different currencies, convert them yourself first.
- Values are estimates. Property, vehicles and investments change in value. Use realistic current figures, and update them when you recalculate.
- Crypto and other volatile assets. Prices can move a lot in a short time, so use the current market value on the day you calculate.
- Use balances, not payments. Liabilities should be the amount still owed, not what you pay each month.
- Income is not an asset. Do not add future salary or expected earnings. Only count what you own today.
- Taxes and fees are not included. Retirement accounts, property and investments may carry tax or selling costs that this tool does not deduct.
- Your data stays with you. This calculator does not send, collect or store what you type. Everything runs locally in your browser and disappears when you refresh or leave the page.
- Educational use only. This tool gives a simple snapshot and is not financial, tax or legal advice. For decisions about debt, investing or retirement, speak to a qualified professional.