Super Boring Tools

Search tools

Find a tool by name or what it does.

Net Worth Calculator

Add up what you own and what you owe to see your net worth, with a category-by-category percentage breakdown, updated as you type.

Assets (what you own)

Liabilities (what you owe)

Blank fields count as zero. Calculated in your browser as you type. Nothing is uploaded.

Net worth
197,500Positive net worth

You own more than you owe.

Assets vs liabilities
Total assets453,000
Total liabilities255,500
Category breakdown
Assets (453,000)
Cash and savings3.3% · 15,000
Investments8.8% · 40,000
Retirement accounts13.2% · 60,000
Real estate70.6% · 320,000
Vehicles4% · 18,000
Liabilities (255,500)
Mortgage93.9% · 240,000
Loans (auto, student, personal)4.7% · 12,000
Credit card balances1.4% · 3,500

Net worth is a snapshot, not a full financial picture. It leaves out income, monthly cash flow, and the terms of each debt.

How to calculate your net worth

  1. Enter your assets

    Type what you own in each field: cash, investments, retirement accounts, real estate, vehicles, and anything else.

  2. Enter your debts

    Add what you owe under mortgage, loans, credit card balances, and any other liabilities.

  3. Read your net worth

    Total assets minus total liabilities appears instantly, with a percentage breakdown of every category.

Why use this tool

Assets and liabilities in one place

Grouped fields cover cash, investments, retirement, real estate, vehicles, and every common kind of debt, so nothing is left out of the total.

Category percentage breakdown

Each asset is shown as a share of your total assets and each debt as a share of your total liabilities, each with its own bar.

Negative net worth shown clearly

When your debts outweigh your assets, the result says so plainly with a minus sign and a label instead of hiding the shortfall.

Assets versus liabilities at a glance

A comparison bar scales both totals together, so the visible gap between them is exactly your net worth.

No currency assumptions

Figures are plain numbers with thousands separators and no symbol, so the same math works for dollars, euros, pounds, or any currency.

Runs entirely in your browser

Every figure is calculated on your device as you type. Nothing is uploaded, stored, or logged, and there is no account to create.

About this tool

Net worth is the single clearest measure of financial position: everything you own, minus everything you owe. This calculator adds up your assets across cash, investments, retirement accounts, real estate, vehicles, and anything else, totals your liabilities across mortgage, loans, credit cards, and other debts, then subtracts one from the other. The result is your net worth, shown alongside your total assets, your total liabilities, and a percentage breakdown of where each figure comes from.

Tracked over time, the trend matters more than any single reading. A negative net worth, common early on with a mortgage or student loans, is shown plainly rather than buried, so you can watch it climb toward zero and beyond. The category breakdown highlights concentration, for example a net worth that is almost entirely home equity, or savings outweighed by high-interest card balances. To see how those debts shape borrowing power, pair this with the debt-to-income calculator, and to carry the investment and retirement side forward, the retirement calculator projects those balances into the future.

Enter figures in whatever currency you use; the tool works in plain numbers with no symbol, so the same math applies to dollars, euros, or pounds. Blank fields count as zero, and amounts must be positive, since debts belong in the liabilities section rather than as negative assets. Everything is calculated on your device as you type, and nothing you enter is uploaded, stored, or logged, which matters for figures this personal.

Frequently asked questions

How is net worth calculated?
Add up everything you own to get total assets, add up everything you owe to get total liabilities, then subtract liabilities from assets. The difference is your net worth. For example, 250,000 in assets and 112,500 in debts gives a net worth of 137,500.
What does a negative net worth mean?
It means your debts are larger than your assets, so you owe more than you own. This is common early in life with a mortgage or student loans. The calculator shows it clearly with a minus sign and a label rather than hiding the shortfall.
What counts as an asset or a liability?
Assets are things of value you own: cash and savings, investments, retirement accounts, real estate, vehicles, and other property. Liabilities are debts you owe: your mortgage, car and student loans, credit card balances, and any other borrowing.
How is the percentage breakdown worked out?
Each asset is shown as a share of your total assets, and each debt as a share of your total liabilities. A category that is 40% of your assets fills 40% of its bar, so you can see at a glance where the weight sits.
Which currency does it use?
None. The calculator works in plain numbers, so the result is in whatever currency you entered. Formatting adds thousands separators and up to two decimals but no currency symbol.
Is my financial data uploaded anywhere?
No. Everything runs in your browser and nothing is sent to a server. Your figures never leave your device.

Related tools