Net worth calculator
Add up what you own, subtract what you owe, and see your net worth update as you type. Nothing is saved, and nothing leaves your browser.
What you own
What you owe
What net worth actually measures
Net worth is the single cleanest measure of your financial position: everything you own minus everything you owe. Income tells you what comes in, and a budget tells you where it goes, but net worth is the scoreboard. It captures the full picture in one number, and watching it move over time tells you whether the trend is going your way.
Assets minus liabilities
Assets are things of value: cash, brokerage and retirement accounts, your home, vehicles, and anything else you could sell. Liabilities are what you owe: your mortgage, auto and student loans, and credit card balances. A home counts at its market value with the mortgage subtracted as a separate debt, so a $350,000 house with a $250,000 loan adds $100,000 to your net worth, not the full price.
Why the trend matters more than the number
A single net worth figure is a snapshot. The real signal is the direction. A number that climbs month after month means you are building, even if the starting point felt small. That is why tracking beats calculating once, and why the number is worth revisiting on a schedule.
Track it automatically
This calculator gives you today's number by hand. Telemetry keeps it current for you. Its net worth tracking pulls balances from your connected accounts, updates the figure as they change, and charts the trend so you can see progress at a glance. You also get a FIRE view that measures your investable net worth against the number you need to be financially independent.
Common questions
What is net worth?▾
Net worth is everything you own minus everything you owe. Add up your assets (cash, investments, retirement, home, vehicles) and subtract your liabilities (mortgage, loans, credit card balances). The result is your net worth, and it can be positive or negative.
How do you calculate net worth?▾
Total your assets, total your liabilities, and subtract the second from the first. A paid-off $350,000 home with a $250,000 mortgage contributes $100,000 of net worth, not $350,000. This calculator does the arithmetic as you type.
Should I include my home and car?▾
Yes, at their current market value, with the loan against them counted as a liability. Some people also track a more liquid figure that leaves out the home and car, since those are harder to spend. Both views are useful, and Telemetry can show either.
Is my information saved anywhere?▾
No. This calculator runs entirely in your browser and stores nothing. If you want your net worth tracked over time from your real accounts, that is what Telemetry does once you connect them.
Want your net worth tracked for you, not just calculated once?
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