Net Worth Calculator
Add up your assets and liabilities to calculate your total net worth.
This tool runs entirely in your browser. Your files are never uploaded to a server.
Assets
Liabilities
Each row is a self-reported value you enter, not a verified balance or market appraisal; net worth is simply the sum of assets minus the sum of liabilities at this moment.
325000.00
Total assets
222500.00
Total liabilities
102500.00
Net worth
What this calculator does
Adds a list of asset values, adds a list of liability values, and subtracts the second total from the first to produce a single net worth figure — a point-in-time snapshot, not a forecast.
How to use it
Edit or add rows under Assets for anything of monetary value you own, and under Liabilities for anything you owe, naming each row and entering one value per row in one consistent currency. Remove a row you do not need; at least one row must remain in each list.
Worked example
With assets of 5,000 cash, 20,000 investments and a 300,000 home, total assets are 325,000. With liabilities of a 220,000 mortgage and 2,500 credit card debt, total liabilities are 222,500. Net worth is 325,000 − 222,500 = 102,500. Automated tests verify this example.
What counts as an asset or a liability
Common assets include cash, bank balances, investment and retirement accounts, real estate and vehicles. Common liabilities include mortgages, car loans, student loans, credit card balances and other outstanding debts. Include only amounts you can reasonably estimate.
Valuation is self-reported
Every value is whatever you type in — the tool does not fetch account balances, property valuations or market prices. A home, a vehicle or an investment account is only as accurate as your own estimate, and illiquid items (like a home) cannot be spent at that figure without selling or borrowing against them.
Why net worth still matters
Net worth is a broad measure of financial position at one moment. Tracked over time with consistent valuation methods, a rising or falling trend can be more informative than any single snapshot, even though it mixes liquid and illiquid items into one number.
Scope, sources and privacy
This is an educational summary, not financial, tax or legal advice, and not a substitute for a professional valuation or credit report. The asset/liability framing follows Consumer Financial Protection Bureau financial well-being guidance. Reviewed September 2026. The calculation runs locally in your browser; Quiklio does not upload the entered values.
Frequently Asked Questions
- Does this pull my real account balances or property value?
- No. Every row is a value you type in yourself; the calculator does not connect to banks, brokerages or property databases, so accuracy depends entirely on your own estimates.
- Should I include illiquid assets like my home or retirement account?
- You can, but remember their value isn't immediately spendable — selling a home takes time and cost, and early retirement withdrawals often carry penalties or taxes, so treat those rows differently from cash when planning.
- Why might my net worth look very different from my take-home pay?
- Net worth is a balance-sheet snapshot of what you own minus what you owe, not a measure of income or cash flow — a high earner with large debts can have a lower net worth than a lower earner with few liabilities.