Net worth calculator
Your net worth is what you would be left with if you sold everything you own and paid off everything you owe. It is the single figure that best sums up how you are doing, and almost nobody knows theirs. Fill in what you know and you will have it in two minutes.
- Runs on your phone, not on a server
- We store nothing
- No sign-up, no ads
Your numbers
Put in what you know off the top of your head and refine later. A rough number today beats the exact one you never work out.
Your net worth
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Fill in the fields to see your result.
- Total assets
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- Total debts
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What net worth actually means
Net worth is the difference between what you own and what you owe. It is not your salary, not your bank balance and not what your home is worth: it is what would be left if you liquidated everything and settled every debt.
That gap from salary is the point. Two people earning exactly the same can have opposite net worths: one with the mortgage nearly paid off and some money invested, the other with a financed car and three things on instalments. Salary says how much comes in; net worth says how much stays.
That is why it is the only figure worth measuring yourself against. You do not need to compare it with anyone else, you only need to check whether it is higher in six months than it is today.
Net worth = Assets − LiabilitiesAssets are everything of value you could turn into money. Liabilities are everything you owe someone. The result can be negative, and that is fine: it is normal in the early years of a mortgage.
What goes on each side
The most common mistake is counting a home wrong. If you have a €250,000 flat with €180,000 left on the mortgage, you do not add €250,000 or subtract €180,000: you enter both, each on its own side. That home contributes €70,000 to your net worth, and it grows every month you pay down.
The second mistake is valuing assets at what they cost. A €30,000 car bought five years ago is not worth €30,000. Enter what someone would pay for it today, however much it stings.
- Cash and accounts: what is there right now, not the monthly average.
- Investments: funds, ETFs, shares, crypto and pensions, at today's market value.
- Property: a realistic sale price, not a valuation or wishful thinking.
- Debts: the outstanding balance, never the monthly payment.
- What to leave out: furniture, clothes, your phone. You are not going to sell them and they only add noise.
What to do with the number you got
A net worth on its own says little; its direction says a lot. Write it down today, come back in three months and compare. If it is going up, what you are doing works even if you cannot feel it day to day.
If it came out negative, look at the debt-to-assets ratio under the result. With a recent mortgage that is normal and corrects itself. If the weight is credit cards, revolving credit or instalments, that is the one thing to tackle before anything else: no sensible investment returns what a credit card costs.
And if it came out positive and healthy, the next step is usually the buffer: making sure one surprise does not force you to undo what you built.
Working it out once is easy; seeing it every month is not
The hard part about net worth is not calculating it, it is repeating it. Next month the balances have moved, the mortgage is lower, the investments have shifted, and redoing the spreadsheet is a chore. Most people work it out once and never come back.
Neto exists precisely for that: you record your accounts, debts and investments once and the figure updates itself, with a daily snapshot so you see the curve rather than a lone number. Without connecting your bank and without handing your credentials to anyone.
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Frequently asked questions
Does my home count towards net worth?
Yes, but in full: the market value goes in assets and the outstanding mortgage goes in liabilities. What it adds to your net worth is the difference between the two, not the price of the property.
What about pensions and workplace schemes?
They count as an asset at their current value, even if you cannot access them yet. It is your money; being locked up affects your liquidity, not your net worth.
Is a negative net worth bad?
Not necessarily. With a freshly signed mortgage or a student loan it is exactly what you would expect, and it improves every month. The worry is not the sign, it is a figure that never moves, or debt that is expensive.
How often should I calculate it?
Monthly or quarterly is plenty. More often just adds noise: investments go up and down, and what matters is the trend across several months.
Do you store what I type here?
No. The calculator runs entirely inside your browser and sends nothing to any server. Reload the page and it is gone. The only way to keep a result is to copy the link, which carries the numbers inside it.
What is a good net worth for my age?
There is no universal good figure: it depends on the country, your salary, whether you own a home and who depends on you. The useful comparison is with yourself six months ago, not with an average that does not include your situation.