Add your assets and outstanding debts to estimate your net worth in one place. Update the figures whenever your finances change.
Your entries are saved in this browser on this device. No bank connection or server account is used.
What you own, using estimated current values.
What you still owe, using outstanding balances.
A clear financial snapshot starts with a consistent list of what you own and what you owe. Use the sections below to make your estimate more useful over time.
Net worth = total assets − total liabilities. Assets are things you own that have value. Liabilities are balances you are still required to repay. The result can be positive, zero or negative; it is a snapshot rather than a score.
Include cash and savings, investment holdings, retirement accounts, property, vehicles and other meaningful assets. For market-linked investments, use a recent account value. For property or vehicles, use a reasonable estimate of what they might sell for today rather than the original purchase price.
Do not count the same money twice. If a mutual fund balance already includes all units held in an investment account, do not add those units again under another category.
Use outstanding balances, not the original amount borrowed. Include mortgage or home-loan principal, vehicle and personal loans, education loans, credit card balances and other debts. If a payment is due but has not been reflected in the lender balance, choose a consistent method and avoid counting it twice.
For a property with a mortgage, record the property's estimated full market value as an asset and the remaining mortgage as a liability. The difference contributes to your net worth.
Suppose your savings are 80,000, investments are 220,000 and property is worth 1,200,000. Your total assets are 1,500,000. If your home loan is 900,000 and other debts are 50,000, total liabilities are 950,000.
These figures are illustrative and use no specific currency. Enter values in the currency selected on this site to calculate your own totals.
A positive net worth means the listed assets exceed the listed debts. A negative net worth means debts are greater than assets at this point in time; it does not by itself mean that progress is impossible. Income stability, interest costs, emergency savings and upcoming expenses matter too.
Net worth also differs from cash flow. A home can add substantial value to net worth but may not be easy to convert into money for a bill. Track day-to-day income and expenses separately.
Update monthly or quarterly, or after a meaningful change such as paying down a loan, saving a lump sum or revising an asset estimate. Try to compare similar dates and use the same valuation approach each time.
Look at the reasons behind a change: contributions, market movements, purchases, loan repayments and new borrowing can all affect the result. One short-term increase or decrease is not a reliable forecast of future performance.
Net worth is the value of the assets you own minus the debts you owe at a point in time. It can be positive or negative.
You can include cash, savings, investments, retirement funds, property, vehicles and other assets. Use a reasonable current value rather than the original purchase price, and avoid counting the same asset twice.
Include outstanding loan balances, mortgage principal, credit card balances and other debts. Use the amount still owed, not the original amount borrowed.
No. You enter figures manually. The tracker does not connect to financial accounts or send your entries to a server.
Entries are saved in this browser's local storage on this device so they can remain after you leave the page. They are not synced to an account. Anyone with access to this browser profile may be able to view them; use Reset tracker on a shared device.
Monthly or quarterly is often enough for a personal snapshot. Use a consistent approach and update major asset values or debt balances when they materially change.