Add up everything you own and subtract everything you owe. Our net worth calculator gives you a clear, global-friendly snapshot of your financial position in seconds.
Enter your numbers above to see tailored insights about your financial health.
This online Net Worth Calculator is designed to be simple enough for beginners and detailed enough for money nerds. You can use it from any country or currency just type your values and read the results. The calculator doesnt store your data; everything is calculated in your browser in real time.
Enter what you own: cash, savings, investments, property, and any other assets you could realistically sell for money.
Add all outstanding balances: mortgages, education loans, personal loans, credit cards, and informal debts.
Click Calculate Net Worth to instantly see totals, breakdowns, and a plain-language explanation of your financial position.
You can come back and update this calculator regularly monthly, quarterly, or yearly to track your progress. Think of it as a global, currency-agnostic snapshot of where your money is today.
Net worth is a simple but powerful number:
Unlike your salary, which tells you how much money flows in each month, net worth shows how much wealth you have actually built and kept. Two people with the same income can have completely different net worths depending on how they save, invest, and borrow.
This calculator is designed for global use: whether you are paid in dollars, euros, rupees, pesos, or any other currency, the math is the same. You can also use it for households: add a partners or family members numbers to see your combined position.
The Net Worth Calculator uses the classic, globally recognized formula:
Net Worth = Total Assets Total Liabilities
Total assets are the sum of cash, savings, investments, property, and anything else you own with monetary value. Total liabilities are the sum of all debts you are obligated to repay.
Imagine a person who has:
Their total assets are 5,000 + 12,000 + 80,000 + 3,000 = 100,000.
On the debt side they owe:
Their total liabilities are 60,000 + 10,000 + 4,000 = 74,000.
Net Worth = 100,000 74,000 = 26,000
Our calculator performs this same math instantly, formatting large numbers so they are easy to read.
There are only two big levers you can pull to improve net worth: grow assets and reduce liabilities. Here are some practical, globally applicable ideas you can consider discussing with a qualified professional:
Use this Net Worth Calculator together with tools like our Emergency Fund Calculator or Retirement Calculator to explore how todays decisions shape your future wealth.
No. The Net Worth Calculator is currency-agnostic. You can enter values in any currency you like; just be consistent. If you mix currencies, convert them roughly first using a rate you trust so that everything is in the same unit.
It depends on how detailed you want to be. Many people include any item they could realistically sell within a reasonable time frame, at a price they could actually get on the market today. Being conservative with your estimates makes your net worth more reliable.
Monthly or quarterly is common. Very frequent checks (like daily) can feel stressful, especially if your investments move up and down. Choose a rhythm that helps you stay informed without becoming obsessed.
Not necessarily. Many students and young professionals start with negative net worth because of education loans, but those loans may be tied to future income. The key is to have a realistic repayment plan and to avoid high-interest, unproductive debt where possible.
This tool is an educational aid to help you understand basic math around assets and debts. It does not replace personalized advice from a qualified financial planner, tax advisor, or legal professional in your country.
