Free tool
Net worth calculator
Overview
Add up what you own, subtract what you owe, and see the result.
Want this tracked every month? Wrenfold keeps your budget on your own device. See Wrenfold
Excel workbook · $14
Net Worth and Savings Goals Tracker
Record your balances once a month and watch your net worth, your goals and your debts change over the year.
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Free to use. Paste this where you want it to appear. It runs in the visitor's browser, so nothing they enter is sent to us, and the line under it links back to this page.
How it works
How it works
Net worth = total assets minus total debts. Use today's realistic value for each asset, not what you paid. For debts use the balance owed now, not the original loan. Run it again every few months to see the direction, which tells you more than any single number.
FAQ
About this calculator
Is a negative net worth bad?
It is common early in life or after taking on a mortgage or student loans. The direction over time matters more than one reading.
How should I value my home or car?
Use a realistic selling price, such as recent sales of similar ones, not the purchase price.
Should I include things like furniture?
You can, but most people leave them out because they are hard to sell for much. Pick a rule and keep to it so results compare over time.
Is anything saved?
No. The math runs in your browser and nothing you enter is sent to us.
Is this tax or financial advice?
No. It is a calculator for general information. Check the numbers against your own records, and ask an accountant before you act on them.
Related: debt payoff calculator, savings goal calculator, net worth savings goals tracker. See all free tools. More free tools: Mix ratio calculator, Holiday budget calculator, Decimal hours to minutes converter, or see all free tools.
General information, not tax or legal advice. How we write and check our tools.
Excel workbook
Net Worth and Savings Goals Tracker
Record your balances once a month and watch your net worth, your goals and your debts change over the year.
Also in the Household Money Bundle: 3 products for $39 instead of $47 separately.
Wrenfold
Keep this going in a budget you own
Wrenfold keeps accounts, budgets, bills and goals on your own computer or iPhone, with budgets that roll over each month. Bring in a bank CSV or your You Need A Budget file, or keep balances current through SimpleFIN Bridge, a separate service you sign up for. $79 once, with an optional $5 a month for updates; the app keeps working if you stop. The free trial records up to 60 entries.
See Wrenfold Compare the three apps