Net worth calculator

How to calculate net worth

1. Enter your assets. Cash, bank accounts, stocks and funds, pension savings, home, vehicles and other assets.
2. Enter your debts. Mortgage, consumer loans, credit card debt and other debts.
3. Calculate. Net worth is assets minus liabilities. The result updates as you type.
4. Come back later. The data stays in your browser, so you can track the development over time.

What does net worth tell you?

Net worth is one of the clearest measures of your personal finances. It is calculated with a simple formula: net worth = assets − liabilities. A positive number means your assets exceed your debts; a negative number means there is more debt than wealth. By tracking the figure regularly you can see whether your financial buffer is growing.

Tips for estimating

Value your assets at a realistic market value: for a home, actual sale prices in the area give a better picture than the debt-free purchase price. The value of investments varies with the market, so update the figures from time to time. Remember that net worth is a snapshot at a given moment — its development over time tells you more than a single number.

Example: a young adult's balance sheet

Let's take an example. A person has €4,000 in a bank account, €6,000 in funds and a car with a market value of €8,000. So the assets total €18,000. There is €5,000 in student loans and €2,000 in consumer credit, €7,000 in total. Net worth is assets minus liabilities: 18,000 − 7,000 = €11,000. A positive number shows that assets exceed debts. The calculator computes the sum automatically as you itemise the entries.

Growing your net worth

Net worth grows in two ways: by increasing assets or by reducing debts. Regular saving and the appreciation of investments increase assets, while paying down loans reduces the debt side. Repaying a high-interest consumer loan often improves the balance more reliably than an uncertain investment return. By checking the figure every few months you see the direction of development. Remember that it is a snapshot — a trend over time tells you more than a single moment.

Liquidity and financial buffer

Net worth gives the overall picture, but it alone does not describe liquidity. A person can be wealthy in net worth yet still be short of cash if their assets are tied up in something hard to sell, such as a home. That is why it is worth separating liquid assets — cash and easily sellable investments — from the rest. They tell you how quickly you can get money available in an unexpected situation.

A common recommendation is to keep an emergency reserve equal to a few months' expenses easily available. This buffer protects against debt if income is interrupted or large expenses arise. When tracking net worth, it is useful to look at both the total figure and the share of liquid assets: the former tells you about long-term wealth building, the latter about short-term security. This calculator helps you itemise the entries so you see both sides.

Good to know about net worth

• Net worth = all assets − all liabilities.
• Use the market value for assets, not the original purchase price.
• Liquid assets tell you about liquidity, the total figure about the long-term situation.
• The data is stored only in your own browser and is not transferred to a server.

In summary

The net worth calculator computes the difference between assets and liabilities and stores the data only in your own browser. Break down your assets and debts, and you see the full picture of your finances at a glance. By tracking the figure regularly you get a sense of the direction of development, and keeping the data on your device protects your privacy.

Frequently asked questions