Net Worth Calculator
Tally assets and liabilities to get your real financial position.
How to use this tool
- Add assets (cash, investments, property, vehicles).
- Add liabilities (mortgage, loans, cards).
- Calculate net worth instantly.
- Export the snapshot to CSV.
How it works
Net worth = sum(assets) - sum(liabilities). Each group subtotals and displays alongside the totals.
Tips
- Use conservative estimates for property and vehicle values.
- Track quarterly — trends matter more than single readings.
- Include student loans; they're a real liability.
Limitations
Self-reported values; market swings change numbers between updates.
Frequently asked questions
What counts as an asset?
Cash, investments, property market value, retirement accounts, vehicles and receivables less the debt against each one.
What is net worth?
Total assets - total liabilities. It's the single number that shows your financial position.
Should I include pensions?
Include vested retirement account balances; future pensions are typically tracked separately.