Free Net Worth Calculator
Add your assets and liabilities across categories to calculate your net worth instantly. Nothing is saved or stored — all calculations happen in your browser.
Net Worth Calculator
Mr B says: Nothing is saved or stored here — fill it in honestly and you'll get a clear snapshot. Calculate it once a year at minimum and track the trend over time.Assets
$
$
$
$
$
$
Liabilities
$
$
$
$
$
Net worth summary
Total assets$0.00
Total liabilities$0.00
Net worth$0.00
Nothing entered here is saved or stored. All calculations happen in your browser.
⚠️ This tool is for general guidance only and is not financial advice.
Common questions
Net worth questions
List everything you own (assets) and everything you owe (liabilities). Subtract total liabilities from total assets. The result is your net worth. Assets include property, investments, superannuation, savings, and vehicles. Liabilities include your mortgage, car loans, credit card balances, and personal loans.
Net worth varies enormously by age, income, and location. The more useful question is whether your net worth is growing year on year. A negative net worth early in life is common — student debt and a new mortgage will do it. The trend matters more than the absolute number.
Yes, but with context. Your super or pension is a real asset, but it is not accessible until you reach preservation age. Include it in your full net worth figure, but also calculate a separate 'accessible net worth' that excludes locked-away retirement funds — that number tells you what you can actually reach today.
Once a year is a good minimum. Many people do it every six months. The value is in tracking the trend over time, not obsessing over the current number. A simple spreadsheet with a date column and a net worth column is all you need.