liminfoNet Worth Calculator
Free web tool: Net Worth Calculator
Assets
Liabilities
Net Worth
$179,000
About Net Worth Calculator
The Net Worth Calculator is a personal finance tool that gives you a clear snapshot of your financial position by computing the simple but powerful equation: Net Worth = Total Assets − Total Liabilities. Assets are everything you own that has monetary value — savings accounts, investment portfolios, real estate, vehicles, retirement accounts, jewelry, and more. Liabilities are everything you owe — mortgages, car loans, student loans, credit card balances, and other debts.
The tool comes pre-loaded with four common assets (Savings Account, Investment Portfolio, Home, Vehicle) and three common liabilities (Mortgage, Car Loan, Credit Cards) to help you get started quickly. You can rename any item to match your actual accounts, update the dollar amounts, remove items you do not have, and add new items as needed. The running totals for assets and liabilities update in real time, and the final net worth figure changes color — green for positive, red for negative — to give you an instant visual signal.
All data stays entirely in your browser. Nothing is saved to a server, database, or cloud. This means your private financial information never leaves your device, which is especially important for sensitive personal finance data. The calculator is designed for a quick periodic check-in — most people find it useful to recalculate their net worth monthly or quarterly to track progress toward financial goals.
Key Features
- Add unlimited asset items with custom names and dollar amounts
- Add unlimited liability items with custom names and dollar amounts
- Pre-loaded with common assets and liabilities to speed up data entry
- Real-time running totals for Total Assets and Total Liabilities
- Net worth display changes color: green for positive, red for negative net worth
- Remove any item with a single click, or edit names and values inline
- 100% client-side — financial data never leaves your browser
- Responsive design for desktop and mobile, with dark mode support
Frequently Asked Questions
What is net worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It is the single most comprehensive measure of your financial health. A positive net worth means your assets exceed your debts. A negative net worth (sometimes called being "underwater") means you owe more than you own, which is common early in life when student loans or mortgages are large.
What should I include as assets?
Include all assets that have genuine monetary value: cash and bank accounts, investment accounts (stocks, bonds, mutual funds, ETFs), retirement accounts (401k, IRA, pension), real estate (market value of your home or investment properties), vehicles (current resale value), business ownership interests, life insurance cash value, and valuable personal property like jewelry or collectibles.
What should I include as liabilities?
Include all outstanding debts: mortgage balance (not the home value), home equity loans, car loan balances, student loan balances, credit card balances (not credit limits), personal loan balances, medical debt, tax debt, and any other money you owe to creditors. Use current payoff balances, not original loan amounts.
Should I include my home as an asset?
Yes, but use the current market value (what it would sell for today), not the original purchase price or the mortgage amount. You should also include the mortgage as a liability. The net effect — market value minus remaining mortgage — is your home equity, which represents your true financial stake in the property.
What is a good net worth at my age?
A commonly cited benchmark is to have net worth equal to your annual income by age 30, three times annual income by age 40, and so on. However, net worth varies enormously based on income, location, cost of living, and life choices. The most important metric is whether your net worth is trending upward over time — improving is more important than any specific number.
Should I include retirement accounts in net worth?
Yes, 401(k), IRA, and other retirement account balances should be included at their current vested value. Some financial advisors suggest using 70–80% of the balance to account for future taxes on pre-tax accounts (traditional 401k/IRA). Others include the full balance. The calculator lets you add any note to item names, so you can label items accordingly.
How often should I calculate my net worth?
Most personal finance experts recommend calculating net worth monthly or quarterly. Monthly tracking aligns well with monthly budgeting cycles and lets you spot trends quickly. At minimum, calculate it annually. The key is consistency — using the same methodology each time makes the trend data meaningful.
Is it normal to have a negative net worth?
Yes, especially early in life. Recent graduates with student loans, young homebuyers with large new mortgages, or anyone who has faced significant medical or financial hardship may have negative net worth. What matters is trajectory — if your net worth is improving month over month, you are moving in the right direction regardless of the starting point.