Net Worth Calculator
Add up everything you own and everything you owe to see your total net worth at a glance.
Assets & liabilities
Assets (what you own)
Liabilities (what you owe)
Your net worth
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Total assets—
Total liabilities—
Debt-to-asset ratio—
Why track net worth
Net worth is the single clearest measure of your financial position: total assets minus total liabilities. Tracking it every few months shows whether you're moving in the right direction, even when month-to-month cash flow feels noisy. Rising net worth means you're building wealth; a high debt-to-asset ratio is a signal to prioritise paying down what you owe.
Frequently asked questions
What counts as an asset?
Anything with monetary value you could sell or draw on — cash, savings, investments, property, vehicles and valuable possessions.
Can my net worth be negative?
Yes, if you owe more than you own. This is common early on, especially with student or home loans, and improves as you pay debts down and build savings.