Net Worth Calculator
Calculate your net worth by tracking assets and liabilities across categories, with localStorage persistence so your data is saved between visits.
Your balance sheet
Updates as you typeBreakdown
By category| Item | Amount |
|---|
| Category | Amount | % of assets |
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| Category | Amount | % of liabilities |
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Formula
- Assets
- Everything you own with monetary value — cash, investments, property, vehicles
- Liabilities
- Everything you owe — mortgages, loans, credit card balances
- Net Worth
- Your financial position. Positive means you own more than you owe; negative means the opposite
- Debt-to-asset
- Liabilities ÷ Assets. Under 30% is generally healthy; over 50% means debt dominates your balance sheet
With your numbers
- Enter any balance above to see the worked example fill in here.
Examples
How It Works
Assets are organized into five categories: Cash & Savings (checking, savings, cash), Investments (stocks, bonds, retirement accounts), Real Estate (home, rental properties), Personal Property (vehicles, valuables), and Other Assets. Enter the current market value — what each asset would sell for today, not what you paid for it.
Liabilities are organized into five categories: Mortgages, Auto Loans, Student Loans, Credit Card Debt, and Other Liabilities. Enter the current outstanding balance — how much you still owe.
The asset allocation shows what percentage of your total assets falls in each category. A healthy allocation depends on your age and goals, but over-concentration in any single asset (like having 80% of net worth in your home) can be a risk.
Your data is automatically saved to your browser's localStorage when you calculate, and reloaded when you return. Use the Save button to save without calculating, or Clear All to start fresh.
Tips & Best Practices
Frequently Asked Questions
What is a good net worth?
It depends on age and income. A common benchmark: by 30, aim for 1× annual salary saved; by 40, 3×; by 50, 6×; by 60, 8×; by 67, 10×. These are rough guidelines — the median net worth for Americans aged 35-44 is about $91,000 (Federal Reserve, 2022).
Should I include my home in net worth?
Yes, your home is an asset. But calculate both total net worth (including home equity) and liquid net worth (excluding home) to understand your financial flexibility. Home equity is real wealth but isn't easily accessible for daily financial needs.
How often should I update my net worth?
Monthly is ideal for active tracking. At minimum, quarterly. Update investment values from your latest statements, check loan balances, and adjust property values annually. Consistency matters more than precision — use reasonable estimates.
Is my data stored securely?
Your data is saved only in your browser's localStorage — it never leaves your device and is not sent to any server. Clearing your browser data or using a different browser/device will reset it. Use the Save button to persist and Clear All to remove.