Net Worth Calculator

Anything with resale value: cash and bank balances, investments and pensions, property, vehicles, and valuables. Enter current market value — what you could actually sell it for now — rather than the purchase price.

Everything you owe: mortgage, personal and car loans, credit-card balances, overdrafts and any money borrowed from family. Use the outstanding balance today, not the original amount borrowed.

Yes — put its current market value under assets and the remaining mortgage under liabilities. The difference is your home equity, which is often the largest part of net worth for homeowners.

Not necessarily. It’s common for students and new mortgage holders, where large debts haven’t yet been offset by assets. What matters is the direction over time, not a single snapshot.

Once a quarter or once a year is plenty. Net worth moves slowly, so frequent checks mostly add noise. Recording it on the same date each period makes the trend easy to read.

Current values throughout. For assets that would incur costs to sell (property, some investments), you can be conservative and use net-of-fees estimates for a more realistic figure.

No — income is a flow, net worth is a snapshot of what you hold. A high earner can have a low net worth, and vice versa. For income planning, use the budget or salary tools.

Any single currency — it’s currency-neutral. If you hold assets in several currencies, convert them to one first, then enter the converted values.

Completely. Every figure is calculated in your browser; nothing is uploaded, saved on a server, or seen by analytics.