What is Net Worth Calculator?
Net worth = total assets − total liabilities, and it is the clearest single number for where your finances stand. This calculator splits assets into cash and savings, investments, property, vehicles, and other assets, and liabilities into mortgage, car loan, credit card debt, personal loans, and other liabilities. Enter the amounts and you get live totals for assets, liabilities, and net worth. Switch between 8 currencies including USD, CNY, EUR, and JPY. All math runs locally in your browser — your financial data never leaves your device. Use it for a personal financial checkup, a yearly net-worth review, or tidying your numbers before a loan application.
▶Use Cases5 scenarios
- ◆Yearly personal finance review
- ◆Organizing numbers before a loan or mortgage application
- ◆Setting savings and debt-payoff goals
- ◆Comparing your finances over time
- ◆Joint financial planning for a new household
▶How to Use5 steps
- 1Pick a currency (USD by default, switchable)
- 2Fill in asset amounts — leave any field empty
- 3Fill in liability amounts
- 4Read the live totals for assets, liabilities, and net worth
- 5Adjust numbers to compare scenarios
▶Features8 features
- ✓Free
- ✓No signup
- ✓Clear asset/liability categories
- ✓Live total calculation
- ✓8 currency options
- ✓Negative values supported
- ✓100% in-browser
- ✓Responsive design
▶FAQ7 questions
What is a net worth calculator?
An online personal finance tool. Input: amounts for asset categories (cash, savings, investments, property, vehicles) and liability categories (mortgage, car loan, credit cards, personal loans). Output: live totals for total assets, total liabilities, and net worth (assets − liabilities). Used for financial checkups and pre-loan organization. Supports 8 currencies; everything is calculated locally — nothing is uploaded.
How is net worth calculated?
Net worth = total assets − total liabilities. For example, 500,000 in assets minus 200,000 in liabilities gives a net worth of 300,000.
Which asset categories are supported?
Cash and savings, investments (stocks, funds, crypto, etc.), property, vehicles, and other assets — each entered separately.
Which liability categories are supported?
Mortgage, car loan, credit card debt, personal loans, and other liabilities — each entered separately.
Which currencies are supported?
8 currencies: USD, CNY, EUR, JPY, GBP, AUD, CAD, and HKD.
Can I enter negative values?
Yes. For instance, an investment loss can be entered as a negative value and is included correctly in the totals.
Is my financial data uploaded?
No. All calculations happen locally in your browser. Your financial data never leaves your device.