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Net Worth Calculator

Finance

About This Tool

Net Worth Calculator – Your Personal Balance Sheet

Your net worth is the single number that sums up your finances: everything you own minus everything you owe. This net worth calculator works like a personal balance sheet. List your assets and debts, and it shows your net worth, where it comes from, how much of it you could actually reach, and how it changes over time.

The net worth formula

Net worth = Total assets − Total liabilities

Take the example household the tool opens with. Its bank accounts, brokerage account, retirement accounts, home, car and gold add up to 626,000 in assets. The mortgage, car loan, student loan and credit card add up to 352,100 in liabilities. Net worth is 626,000 − 352,100 = 273,900. The debt-to-asset ratio is 352,100 ÷ 626,000 = 56.25%, so this household owes a little over half of what it owns.

Value things honestly

A balance sheet is only as good as its numbers. Use market value today, not what you paid. A home is worth what it would realistically sell for now, a car what a private buyer would pay (often far less than its price new), and investments their current balance. Leave out everyday furniture, clothes and electronics, which resell for very little. For debts, enter the full outstanding balance, including this month's credit card statement even if you pay it off in full.

What this tool leaves out
It doesn't deduct tax due when you withdraw from pre-tax retirement accounts or the costs of selling a property, and it doesn't split jointly owned assets. Enter your share, or track the household together. If you hold money in several currencies, convert it to one first; the tool works offline, so it doesn't fetch exchange rates.

Reading the balance-sheet bars

The chart draws what you own and what you owe as two bars on the same scale. Each coloured segment is a category, and the dashed bracket marks the gap between the bars. That gap is your net worth. If your debts are larger, the bracket sits past the end of the assets bar and is labelled as a shortfall. Switch the grouping to Liquidity to see your assets split into liquid, retirement (locked) and illiquid money.

Liquid vs illiquid wealth

Liquid assets are cash, bank balances and investments you could sell within days. Liquid net worth is liquid assets minus all of your debts. For most homeowners it is negative: the mortgage counts in full, but the house it paid for doesn't. In the example, liquid assets of 59,450 minus 352,100 of debt gives −292,650. That isn't a warning sign by itself; it shows how much of your wealth is tied up in your home.

Home equity and net worth without your home

Link each loan to the asset it is secured on, and the tool shows your equity (value minus linked debt) and loan-to-value ratio. The example home is worth 425,000 with a 312,400 mortgage, so equity is 112,600 at an LTV of 73.51%. Mark the home as your primary residence to see net worth excluding your home: 273,900 − 425,000 + 312,400 = 161,300. Many people see this as the wealth that actually funds retirement, since you still need somewhere to live. If a mortgage is larger than the home's value, the part above the value is still counted as debt.

Tracking with snapshots

Net worth matters most as a trend. Save a snapshot every month or quarter and the tool draws your net worth over time. The What changed waterfall breaks the difference between any two dates into categories, so you can tell growth from markets (investments and retirement accounts rising) apart from saving (cash growing) and from paying debt down. A falling loan balance shows as a rise in net worth, because every payment of principal moves money from a debt into your equity.

Your data stays in your browser

The calculator runs entirely on your device. It makes no network requests, never puts your figures in the page address, and keeps snapshots only in this browser's storage. Clearing your browser data or switching devices loses them, so use Backup (JSON) now and then and Restore from backup to move your history. To plan getting rid of a costly debt, the Debt Payoff Calculator picks up where this tool's interest summary leaves off.

Frequently Asked Questions

Is the Net Worth Calculator free?

Yes, Net Worth Calculator is totally free :)

Can I use the Net Worth Calculator offline?

Yes, you can install the webapp as PWA.

Is it safe to use Net Worth Calculator?

Yes, any data related to Net Worth Calculator only stored in your browser (if storage required). You can simply clear browser cache to clear all the stored data. We do not store any data on server.

How does this net worth calculator work?

You list what you own and what you owe, grouped by category. The tool adds each side up and subtracts total liabilities from total assets to get your net worth, then breaks it down by category, liquidity and equity in any asset you've linked a loan to.

What should I count as an asset, and at what value?

Count anything you could turn into money: bank balances, investments, retirement accounts, property, vehicles, a business stake and valuables you could realistically sell. Use what each would fetch today, not what you paid. Leave out everyday furniture, clothes and electronics, which resell for very little.

Should my home and retirement accounts be included?

Yes. Both are part of your net worth, which is why the tool includes them in the headline figure. It also shows your liquid assets separately and, when you mark a primary residence, your net worth without the home and the loans secured on it, so you can see how much of your wealth you could actually reach.

What does the debt-to-asset ratio tell me?

It is total liabilities divided by total assets. At 50% you owe half of what you own; above 100% you owe more than you own and your net worth is negative. There is no single healthy figure, but watching it fall over time shows you are building equity.

Is a negative net worth bad?

It is very common early in a career, when student loans and a financed car outweigh savings. What matters more is the direction: saving regularly and paying debt down moves net worth up, and the snapshots and What changed chart show that progress.

How often should I track it, and does my data leave my browser?

Once a month or once a quarter is plenty, since net worth moves slowly. Everything stays in this browser: the tool makes no network requests and never puts your figures in the URL. Snapshots are kept only on this device, so export a backup to keep your history safe.