Free Net Worth Calculator
Add your assets and liabilities across categories to calculate your net worth instantly. Nothing is saved or stored — all calculations happen in your browser.
Net Worth Calculator
Mr B says: Nothing is saved or stored here — fill it in honestly and you'll get a clear snapshot. Calculate it once a year at minimum and track the trend over time.Assets
Liabilities
Nothing entered here is saved or stored. All calculations happen in your browser.
The one number that summarises your finances
Net worth is total assets minus total liabilities — everything you own minus everything you owe. Unlike income, which only shows what's flowing in, net worth shows what's actually accumulated. Two people earning identical salaries can have very different net worth figures depending on debt levels, saving habits and how long they've been building assets, which is exactly why it's a more useful long-term measure than income alone.
Common mistakes when calculating it
The most frequent errors are using a home's purchase price instead of its current market value, forgetting to include retirement savings because they feel untouchable, and listing a credit card's limit instead of its actual balance. Being conservative on illiquid personal items — jewellery, collectibles, anything you wouldn't realistically sell — keeps the number honest rather than inflated.
Why the trend matters more than the figure
A single net worth calculation tells you where you stand today. Calculating it again in six or twelve months tells you whether your financial decisions are working — the direction of change matters more than the absolute number, especially early in your working life when a negative net worth from student debt or a first car loan is common and not a cause for alarm on its own. For a full walkthrough with a worked example, see our guide on how to calculate your net worth.
Common questions