Net Worth Calculator
Add your accounts, home, vehicles and every debt. Net worth, totals and the debt-to-asset ratio update as you type.
| What you own | Value |
|---|
| What you owe | Balance |
|---|
EquityDebt
Runs in your browser; nothing is sent or saved. Track it every month with the spreadsheet below.
How to use it
Everything on one page
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List what you own
Bank balances, retirement and investment accounts, your home at what it would sell for today, vehicles at what they would fetch.
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List what you owe
Mortgage balance, car loans, cards, student loans, anything with a balance. Use today's balances, not the original amounts.
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Read the ratio
Debt-to-asset under 40% is comfortable; over 80% means most of what you own is borrowed against. Net worth going up month after month is the number that matters.
Keep it going every month
Net Worth Tracker Spreadsheet
Your whole financial picture on one page: what you own, what you owe, and how your net worth moves month by month.
- One row per account, up to 30: checking, savings, investments, retirement, home and vehicles, every debt
- Type each month's balances once; net worth, total assets, and total liabilities are worked out for every month
- Change from the previous month, and change this year against last year's closing figure
- 14 categories (7 asset, 5 debt, 2 spare), each marked Asset or Liability, with a By Category tab by month
- Accounts tab: latest balance, the month it was entered, change since the first balance, share of assets or debts
Or get it in the Money & Business Planning Bundle with the other templates, for $39.
Questions
Good to know
Should I include my home and car?
Yes, at a realistic sale value, with their loans on the other side. Some people track a second figure without the home to see liquid net worth; the spreadsheet does both by category.
My net worth is negative. Is that bad?
It is common early on, especially with student loans or a new mortgage. What matters is the direction: track it monthly and watch the line.
Is anything stored?
No. The calculator runs in your browser and nothing is sent or saved. To keep the history, use the Net Worth Tracker spreadsheet below.
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