Net worth calculator
List your assets, like savings, investments, a home and a car, and your debts, like a mortgage, loans and cards. You'll see your net worth and how it breaks down. Nothing is uploaded, and saving it in this browser is up to you.
What you own
$0.00Cash and savings
Checking, savings and money market accounts, CDs, cash.
Investments
Brokerage accounts, stocks, bonds and funds outside retirement accounts.
Retirement accounts
401(k), 403(b), IRA and Roth IRA balances from your latest statement.
Home and property
What it would likely sell for today, not what you paid.
Vehicles
Current private-sale value from a pricing guide.
Other assets
A business stake, valuables you could sell, money owed to you.
What you owe
$0.00Mortgage
The payoff balance, plus any home equity loan or line.
Auto loans
Payoff balance on car, truck or motorcycle loans.
Student loans
Federal and private loan balances.
Credit cards
Statement balances, including ones you pay off each month.
Other debts
Personal loans, medical bills, taxes owed, buy now pay later.
Off: the list is gone when you close the page. Nothing is uploaded or put in a link either way.
- Nothing is uploaded
- Free, no sign-up
- Works on phone and desktop
How to calculate your net worth
- 1
Under What you own, enter your account balances and what your home, vehicles and other assets would sell for today. Rename any row or add more.
- 2
Under What you owe, enter the payoff balance of each mortgage, loan and credit card.
- 3
Read your net worth, the debt-to-asset ratio and the breakdown by type as you type.
- 4
To come back to it later, turn on Save in this browser. Otherwise nothing is kept once you close the page. You can also copy or print the result.
Features
Your own lists
Eleven common types of assets and debts to start from. Rename rows, add up to 20 per type, or remove what you don't need.
Private by design
Nothing is uploaded and nothing goes into the page address, so your numbers never end up in a shared link or browser history.
Breakdown at a glance
Bars show assets against debts and each type's share, so you can see where your money sits and what you owe.
Saving is your choice
Off by default. Turn it on to keep the list in this browser on this device; turn it off and the saved copy is deleted.
What to include
Net worth is everything you own minus everything you owe, on one day. Most people count:
- Cash and savings: checking, savings and money market accounts, CDs and any cash on hand.
- Investments: brokerage accounts, stocks, bonds, funds and similar holdings outside retirement plans, and the cash value of a permanent life insurance policy.
- Retirement accounts: 401(k), 403(b), IRA and Roth IRA balances.
- Property: your home, other real estate, vehicles, and things you could realistically sell, such as a business stake.
- Debts: mortgages and home equity loans, auto loans, student loans, credit card balances, personal and medical debts.
Everyday belongings like furniture, clothes and electronics are usually left out, because they sell for a small fraction of what they cost. Count income, such as your salary, separately: it isn't an asset until it's in an account.
How to value what you own
Use what each thing is worth today, not what you paid. Account balances come straight from your latest statements. For a home, recent sale prices of similar homes nearby or a recent appraisal give a fair estimate; some people knock off a few percent for the cost of selling. For a car, use the private-sale value from a pricing guide, since cars lose value quickly. Traditional 401(k) and IRA balances are usually counted in full, but withdrawals from them are generally taxed as income, so the money you could actually spend is less. For debts, use the payoff balance from the lender, not the monthly payment.
A worked example
A made-up household, to show how the numbers fit together:
| What they own | Value |
|---|---|
| Checking and savings | $18,000 |
| 401(k) | $64,000 |
| Roth IRA | $12,500 |
| Home (estimated sale value) | $340,000 |
| Car (private-sale value) | $14,000 |
| Total assets | $448,500 |
| What they owe | Balance |
|---|---|
| Mortgage payoff balance | $255,000 |
| Car loan | $9,800 |
| Student loans | $21,000 |
| Credit card statement balance | $2,300 |
| Total debts | $288,100 |
Their net worth is $448,500 − $288,100 = $160,400, and the debt-to-asset ratio is 64.2%. Most of that net worth is home equity: leave out the home and the mortgage and it falls to $75,400. That's why the calculator shows both figures.
Debt-to-asset ratio
The debt-to-asset ratio divides total debts by total assets. Under 100% means you own more than you owe; over 100% means a negative net worth. It's a different measure from the debt-to-income ratio lenders use for mortgages, which compares monthly debt payments with monthly income. Both are snapshots, and neither says on its own whether a particular debt is good or bad for you.
Keeping your numbers private
Unlike most calculators on CentNook, this one never puts your figures in the page address, so they can't end up in a shared link, a bookmark or your browser history. Nothing is uploaded. If you turn on Save in this browser, the list is stored in this browser on this device so you can update it next time; turn it off and the saved copy is deleted. On a shared computer, leave saving off.
Growing the cash part of your net worth? The CD calculator shows what a certificate of deposit earns, the APY calculator compares savings rates, and the ROI calculator measures the return on an investment. This page explains how net worth is worked out; it isn't financial advice.
Frequently asked questions
How do I calculate my net worth?
Add up the value of everything you own, then subtract everything you owe. A household with $448,500 in assets and $288,100 in debts has a net worth of $160,400.
Should I include my home in my net worth?
Yes, at what it would likely sell for today, with the mortgage balance counted as a debt. The difference is your home equity. Because a home is hard to turn into cash, the calculator also shows your net worth without the home and mortgage.
Do retirement accounts count toward net worth?
They are assets, so include the balance from your latest statement. Keep in mind that withdrawals from traditional 401(k)s and IRAs are generally taxed as income, so part of that balance will go to tax, while qualified Roth withdrawals are tax-free.
What is a debt-to-asset ratio?
Total debts divided by total assets, as a percentage. It shows how much of what you own is effectively owed to lenders. In the example household it's $288,100 ÷ $448,500 = 64.2%.
What does a negative net worth mean?
It means your debts are larger than your assets. It's common among people with large student loans or a recently financed car, whose value drops faster than the loan is paid down. It's a snapshot, and the change over time usually says more than a single figure.
Is my information saved or sent anywhere?
No. Everything is calculated in your browser and nothing is uploaded. The figures are not put in the page address. If you turn on Save in this browser, the list is kept in this browser's storage on this device only, until you turn saving off.
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