Net worth calculator, assets minus debts.

Your net worth is what you own minus what you owe. To calculate it, list your assets, such as cash, investments, retirement accounts, a home and a car, add them up, then list your debts, such as a mortgage, car loan, student loans and card balances, and take the debts away from the assets. This net worth calculator does the adding for you, with as many rows as you need, and shows the totals, how big your debts are against your assets and your biggest asset and debt. You can save a dated snapshot and watch the number change. It states no average or benchmark.

How to use it

1. Under What you own, type the value of each asset. Use Add an asset for more rows.
2. Under What you owe, type what you still owe on each debt. Use Add a debt for more rows.
3. Read Net worth at the top. A negative number means you owe more than you own, which is common early in life or after a big loan.
4. Press Save a snapshot to keep today’s totals in this browser. Do it again later and the table shows the change since the last snapshot.
5. Copy summary copies the lists as text and Download CSV saves them. Clear all rows empties the lists but keeps your snapshots.

A worked example

Assets: checking and savings 12,000, investments 25,000, retirement accounts 40,000, home value 250,000 and a car worth 9,000. They add up to 336,000. Debts: mortgage 190,000, car loan 6,500, student loans 14,000 and credit cards 1,500. They add up to 212,000. Net worth is 336,000 − 212,000 = 124,000. Debts are 63.1 percent of assets (212,000 / 336,000). The biggest asset is the home at 74.4 percent of assets, and the biggest debt is the mortgage at 89.6 percent of debts. These are the example rows in the tool.

What to count and at what value

• A home or car: use what it would sell for today, not what you paid. Value it after any costs of selling if you want a cautious figure.
• Retirement accounts: the balance is the usual choice. Remember that tax may be due when you take the money out, so some people list a lower figure.
• Debts: the amount needed to clear each one today, not the original loan.
• Everyday things: furniture and clothes are usually left out because they would sell for little. Add something valuable if you plan to sell it.

Tracking it over time

One number says little. The change does. Save a snapshot every few months, or when something big happens, such as a new job, a loan payoff or a house move. The Change column compares each snapshot with the one before it. A net worth that rises can come from saving, from paying down debt or from assets going up in value, so look at the Assets and Debts columns as well. Your lists and snapshots are saved only in this browser, so clearing the site data in your browser deletes them. Use Download CSV to keep a copy.

What changes the number, and what only looks like it

Paying a debt from savings leaves net worth where it was: assets fall by the amount paid and debts fall by the same amount. In the example, paying 5,000 of a loan from savings keeps net worth at 124,000, but debts fall to 207,000 and assets to 331,000, so debts drop from 63.1 to 62.5 percent of assets. Net worth rises when income is saved, when the loan balance falls from your pay, or when an asset gains value. It falls when you spend more than you earn, take on debt for something that loses value, or an asset drops in price.

This is why a car loan can leave you feeling richer on paper than you are. The car is an asset that loses value each year, while the loan falls slowly. Check your car and other things that wear out at a fair selling price, not what you paid.

What the page does not do

• It does not tell you what a good net worth is. No official figure was read for this page, so none is shown.
• It does not update prices. A home or share price changes daily, so the number is a snapshot of what you typed.
• It does not look at income or goals. To plan one, try the investment calculator or the .

To plan paying down a debt, use the credit card payoff calculator or the loan calculator.