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Totals net worth from listed assets and liabilities. Use for periodic wealth checkups; differs from emergency-fund by full balance sheet vs months of expenses. Returns net worth, asset/liability split and ratio. 100% client-side.
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Calculates net worth by subtracting total liabilities (mortgage, loans, cards) from total assets (cash, home, investments, retirement).
Net worth is the single clearest snapshot of financial position — everything you own minus everything you owe. A quick total makes progress measurable from year to year.
This tool is part of the DevStackIO platform — a collection of free online developer tools from DevStackIO. Browse more free developer resources on DevStackIO.
Individuals tracking wealth, couples planning finances, and anyone taking stock before a major financial decision.
Enter your total assets
Enter your total liabilities
Read the net worth and the breakdown
Use current market values, not purchase prices
Re-calculate at the same date each year to track the trend
Add or remove asset/liability lines to model a planned purchase
Assets $500,000 and liabilities $200,000 → net worth $300,000Assets $150,000 and liabilities $180,000 → net worth -$30,000 (negative)Assets $800,000 and liabilities $150,000 → net worth $650,000Paying $20,000 off a card lifts net worth by $20,000 even without any new savingsDoes this tool support multiple currencies?
Yes, select your currency from the dropdown. All calculations run locally in your browser.
What counts as an asset?
Cash, savings, the market value of your home, and investments.
What counts as a liability?
Mortgages, auto and student loans, and card balances.
Is a negative net worth bad?
Not always; many people start with student debt, for example.
Is my data shared?
No, everything runs locally in your browser.
Should I count my primary home?
Yes, at fair market value minus the outstanding mortgage.
How often should I track it?
Once a year is enough to see the trend; more often creates noise from market swings.
Authoritative specifications, standards, and in-depth reading for Net Worth Calculator.
Home value, cash, investments, retirement
Mortgage, loans, credit card balances
Net worth
$300,000.00
Assets
$500,000.00
Liabilities
$200,000.00
Not financial advice
The results from this calculator are provided for general informational and educational purposes only. They are estimates based on the assumptions you enter and do not constitute financial, tax, legal, or investment advice, nor a recommendation to buy, sell, or hold any financial product. Tax codes, rates, and regulations change frequently and vary by country, state, and local jurisdiction — and may differ based on your individual circumstances, employer plan rules, and provider policies. Always verify the figures with current official sources and consult a qualified financial, tax, or legal professional before making any financial decision. All calculations run privately in your browser; nothing you enter is sent to our servers.
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