Net Worth Calculator
List your assets and debts and get your net worth in a minute. No sign-up, nothing stored — the numbers never leave your browser.
Frequently asked questions
- What is net worth?
- Everything you own of meaningful value (cash, investments, property, vehicles) minus everything you owe (mortgage, loans, credit cards). It's the single most honest summary of a financial position — income tells you the speed, net worth tells you the location.
- What should I include as assets?
- Bank balances, investment and retirement accounts, your home at a realistic market value, vehicles, and anything you could genuinely sell. Skip small possessions — they don't change the picture and make the exercise feel like homework.
- Is a negative net worth bad?
- It's common early on — a student loan or a fresh mortgage easily outweighs early savings. The level matters less than the direction: a negative number moving up every month is a healthy trajectory.
- Is my data stored anywhere?
- No. This worksheet runs entirely in your browser — the amounts you type are never sent to us or stored. If you want the number to update itself month after month, that's what a (free) Money Journey account does.