Finance & Investment
Net Worth Calculator
Net Worth: net Worth Calculator sums your assets and subtracts your total liabilities to give net worth. Worked through below with real figures, and the calculator repeats the working on your own inputs — free, on-device, instant.
Net Worth Calculator turns your total assets and total liabilities into your net worth with the breakdown using total assets minus total liabilities. The maths runs locally, so nothing you enter leaves the page.
Estimate only. Not financial, investment, tax, retirement, pension, crypto, or legal advice. Returns, rates, fees, taxes, inflation, market prices, product rules, and government schemes can change. Verify with official sources or a qualified professional before relying on results.
About this calculator
It matters any time money changes value over time — savings, loans, investments, prices and pay all reduce to these relationships. The governing relationship: Net Worth Calculator sums your assets and subtracts your total liabilities to give net worth. See it on real numbers: Assets of 5,000,000 minus liabilities of 1,800,000 = 3,200,000 net worth. The calculator above applies the same steps to whatever you enter — computed locally, nothing sent anywhere.
How to use
- Add up everything you own and enter it as total assets.
- Add up everything you owe and enter it as total liabilities.
- Use the same currency for both figures.
- Tap Calculate to see your net worth.
Why use the Net Worth Calculator
Instant
Every figure is computed on your device the moment you tap Calculate.
Private
Your numbers stay in your browser; nothing is sent to a server or saved.
Free
No signup, no paywall, and no ads placed inside your results.
Works offline
Once the page has loaded it keeps working even on a weak connection.
Mobile-first
Laid out for phones and tablets just as much as for desktops.
Honest estimates
Uses simplified formulas for educational estimates; actual results vary with taxes, fees, compounding rules, market returns, scheme rules, inflation, and local regulations.
Common uses
Use it for a financial baseline
Use it when comparing year-on-year wealth
Use it for tracking your net worth over time
Use it when assessing your financial position
Use it for a quick net-worth check
Use it when checking progress toward a goal
Technical notes
Net Worth Calculator sums your assets and subtracts your total liabilities to give net worth.
Uses the asset and liability values you enter as a snapshot; it excludes taxes, valuation changes and anything you don't include.
Results are rounded for display; the underlying calculation keeps full precision.
Worked example
Assets of 5,000,000 minus liabilities of 1,800,000 = 3,200,000 net worth.
FAQ
How is net worth calculated?
Net worth equals total assets minus total liabilities; a positive figure means you own more than you owe, and a negative figure means the reverse.
Does the Net Worth Calculator send my data to a server?
No. The Net Worth Calculator runs entirely in your browser with JavaScript; the values you enter never leave your device and nothing is uploaded or saved.
What counts as an asset or a liability?
Assets include cash, investments, property, and valuables; liabilities include loans, credit-card balances, and any other money you owe.
How often should I update my net worth?
Reviewing it every few months is common; regular tracking reveals the trend, which matters more than any single snapshot.