Net Worth Tracker
This calculator adds up everything you own and subtracts everything you owe to show your true net worth. Enter your assets and liabilities across editable categories, and the tool instantly displays your net worth figure, a debt-to-asset ratio, and a visual breakdown of where your wealth sits.
Nothing you enter here is saved or sent anywhere. Amounts live in this browser tab only (session storage) and clear when you close the tab.
How this tool works
Net worth is the single number that summarises your complete financial position: Net Worth = Total Assets − Total Liabilities. The tool groups assets into liquid (cash and equivalents), invested (brokerage, retirement accounts), and real property, and groups liabilities into short-term (credit cards, personal loans) and long-term (mortgage, student loans, auto loans). You can add or remove rows to match your actual accounts. The debt-to-asset ratio = Total Liabilities ÷ Total Assets × 100. A ratio below 50% is generally considered healthy for most households; above 100% means liabilities exceed assets, a technically insolvent position. The chart shows the asset-to-liability stack visually. Key assumption: all values are entered at current market value for assets and outstanding balance for liabilities — not original purchase price or original loan amount. Edge case: home equity is illiquid; a high net worth dominated by real estate cannot easily be converted to cash for emergencies. If 80% or more of your net worth is tied up in a primary residence, the liquid-asset and invested-asset subtotals are the more meaningful health indicators for short- and medium-term financial resilience.
Worked example
Assets: $5,000 checking, $12,000 savings, $8,000 emergency fund, $85,000 in a 401(k), $22,000 brokerage, $320,000 home, $18,000 car. Total assets: $470,000. Liabilities: $245,000 mortgage, $12,000 car loan, $28,000 student loans, $3,200 credit cards. Total liabilities: $288,200. Net worth: $181,800. Debt-to-asset ratio: 61.3%.
Frequently asked questions
What counts as an asset?
Anything you own with financial value that could be converted to cash: bank accounts, retirement accounts (401k, IRA, Roth), brokerage accounts, cryptocurrency, real estate at current market value, vehicles at current resale value, and business equity. Do not include personal items like clothing or furniture unless they have significant resale value.
What counts as a liability?
Any money you owe to a lender or creditor: mortgage balance, car loans, student loans, personal loans, credit card balances, medical debt, and any other outstanding obligations. Include the current balance, not the original loan amount.
Is my data saved anywhere?
No. This tool stores your inputs in your browser's session storage only. Nothing is sent to any server. When you close the browser tab, all data is gone. This is a deliberate privacy choice for sensitive financial information.
What is a good net worth?
There is no universal benchmark. Net worth depends on age, income, location, and life stage. The most useful comparison is your own trajectory over time. Calculate your net worth quarterly or annually and track whether the number is moving up. The Federal Reserve's Survey of Consumer Finances publishes median net worth by age group if you want a statistical reference.
Should I include my home?
Yes, at its estimated current market value. Use a recent appraisal, a comparable sales estimate, or a conservative figure. Subtract the outstanding mortgage balance as a liability. The difference is your home equity, which is a real asset even though it is not liquid.
What if my net worth is negative?
A negative net worth means your liabilities exceed your assets. This is common for recent graduates with student loans or people who recently purchased a home with a small down payment. It does not mean you are in financial crisis; it means your debt currently outweighs your assets, and the path forward is paying down liabilities while building assets.