Tracker
Net Worth Calculator & Tracker
Net worth is everything you own minus everything you owe: add up accounts, home, and vehicles as assets, subtract mortgage, loans, and card balances, and the result is one number worth tracking over time. Someone with $220,000 in assets and $145,000 in debts has a net worth of $75,000 — and a negative number is a starting point, not a verdict.
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Your balance sheet
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Track it over time
Save a snapshot every month or quarter and the trend line builds itself. The direction matters far more than any single number.
This receipt disappears when you close the tab. FWF Ledger, our companion app, keeps the plan alive: every balance updates in one place, and the trend draws itself. This calculator stays free either way.
How do you calculate net worth?
Net worth is the bluntest single measure of financial position: total assets minus total liabilities. It can absolutely be negative — a new graduate with student loans and a car note usually starts there, and that's a starting point, not a verdict. What makes the number useful is tracking it: paying down a loan raises it, market swings move it, and the trend over quarters tells you whether your plan is working.
Count things at what they'd realistically sell for, not what you paid. Your home at a realistic market value (and its mortgage balance as the offsetting liability), vehicles at used-market value, retirement accounts at their current balance. Skip things with no real resale market — nobody's buying your couch.
Everything here stays in this browser's localStorage — same as the budget planner — so use the backup button if you clear browser data or want to move devices.
Common questions
Do I count my pension / Social Security? Traditional pensions and Social Security are income streams, not balances — most people leave them out and track account-based assets only. Whatever you choose, be consistent between snapshots.
Is my car an asset if it has a loan? Yes — list the car's value as an asset and the loan balance as a liability. If the loan exceeds the value, the pair nets negative; that's real information (see the auto-loan world's "negative equity").
How often should I update? Monthly or quarterly. More often than that just measures market noise and your mood.
General information, not personalized financial advice. Found an error? Tell us and we'll fix it.