Personal Net Worth Calculator & Balance Sheet
Discover your true financial standing. Net worth is the single most comprehensive metric of financial health: everything you own (Assets) minus everything you owe (Liabilities). Track your progress toward debt freedom and wealth building.
How to Use Net Worth Calculator
List Your Assets
Add cash accounts, brokerage investments, retirement funds (401k/IRA), home equity, and vehicles.
List Your Liabilities
Add mortgages, car loans, student debt, credit card balances, and personal loans.
View Net Worth
See your total net worth, asset allocation breakdown, and debt-to-asset ratio.
About Net Worth Calculator
Net Worth = Total Assets - Total Liabilities. Having a high income does not necessarily equal wealth if matched by high consumer debt. Growing your net worth requires consistently directing surplus cash flow toward acquiring appreciating assets or paying down high-interest liabilities.
Supported Formats
Key Features
- Categorized assets: Liquid Cash, Investments, Retirement, Real Estate, Personal Property
- Categorized liabilities: Mortgages, Auto Loans, Student Debt, Revolving Credit Cards, Medical Debt
- Calculates Debt-to-Asset Ratio and Liquid Net Worth (excluding illiquid real estate/cars)
- Local browser storage persistence allows you to track month-over-month updates
- Exportable balance sheet report
Frequently Asked Questions
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