Tracker
Net Worth Calculator & Tracker
Everything you own minus everything you owe — one number, tracked over time. Saved in your browser only; nothing is sent to us.
Add an item
Your balance sheet
✎ to edit · × to removeThe number
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.
How this works
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.