Advanced Net Worth Planner — coming soon.
List what you own and what you owe, grouped the way a financial statement actually groups them. Everything updates live as you type — nothing to calculate or submit. Pick your country below to see your numbers in your own currency — a few field names and options change depending on the country you pick. Don't see something you own or owe? Add it yourself — every section has a link to add your own custom-named row.
Net worth is simply what you own minus what you owe, but most people have never actually added it up in one place — it's scattered across a bank app, a brokerage statement, a mortgage servicer, and a few credit cards. This tool lets you list everything in one sitting, grouped the way a real financial statement groups it, so the total updates live as you type and nothing needs to be calculated or submitted by hand.
Net Worth is every asset you list minus every liability — the textbook number. Liquid Net Worth removes anything that isn't easily turned into cash without a sale — your home, other real estate, vehicles, and retirement accounts — and backs out the mortgage balance tied to that home, since it isn't a debt you'd need to cover from spare cash either. It's a better picture of what you could actually get your hands on in an emergency, as opposed to how wealthy you are on paper. The Debt-to-Asset Ratio shows liabilities as a percentage of assets — under 30% is generally considered healthy, 30–50% moderate, and above 50% high — and shows as "—" rather than a misleading number when you haven't entered any assets yet.
Home Equity (your Primary Residence value minus your Mortgage balance) only appears once you've entered a value for Primary Residence — a mortgage balance by itself, with nothing entered for the home it belongs to, isn't enough to show a meaningful equity figure.
Every section — Investments, Bank & Cash Balance, Real Estate, Other assets, and Housing, Loans, Credit, Other liabilities — covers the common cases with a named field, but you can also add your own custom-named rows (crypto, a collectible, a business you own, a loan from a relative, anything that doesn't fit the presets) using the "+ Add" link in each section. A custom row added under Real Estate is treated as illiquid, the same as Primary Residence; a custom row added under Housing is treated as a housing-linked liability, the same as a Mortgage — both flow correctly into Liquid Net Worth. Rows elsewhere count as ordinary liquid assets or liabilities.
This isn't a cosmetic setting — the whole calculator reacts to it. Changing country changes the currency, number formatting, and a handful of field labels to match where you live — for example, "Retirement Accounts" becomes "EPF/PPF/NPS" for India and "401k/IRA/HSA" for the US, and India-specific and US/Canada-specific fields (Gold Loan, Student Loan) only appear where relevant. Switching country clears every number you've entered and removes any custom rows you've added — it doesn't try to convert your figures between currencies, so if you've already entered anything, it asks you to confirm first before clearing.
The download icon (arrow into a tray) saves a full, formatted HTML report of your net worth — summary, breakdown by category, chart, and the disclaimer — that opens and prints cleanly in any browser. The grid icon next to it downloads the same figures as a CSV spreadsheet, formatted for your country (European locales get a semicolon-separated, comma-decimal CSV that opens correctly in Excel). The copy icon places a short plain-text summary on your clipboard. The share icon uses your device's native share sheet where available, or falls back to copying the same summary. The print icon opens your browser's print dialog directly. Nothing you enter is saved between visits or sent anywhere — refreshing the page resets the calculator completely.
The Advanced version isn't about projecting the future — it's this same current net worth, with more options for a more detailed report: finer-grained asset and liability categories, additional breakdowns, and extra figures beyond what the Basic version shows. Until it ships, this Basic calculator covers the full picture of what you currently own and owe.
Alex has 15,000 in equities, 10,000 in mutual funds/ETFs, 5,000 in bonds, and 40,000 in retirement accounts, plus 8,000 in the bank and 2,000 in cash. Alex also owns a home worth 350,000 and a car worth 18,000. On the other side, Alex still owes 230,000 on the mortgage, 12,000 on an auto loan, and 3,000 on a credit card.
| Figure | Amount |
|---|---|
| Total assets (investments + cash + home + car) | 448,000 |
| Total liabilities (mortgage + auto loan + credit card) | 245,000 |
| Net Worth (assets − liabilities) | 203,000 |
That 203,000 looks healthy, but most of it is locked up: the retirement account, the home, and the car — 408,000 combined — aren't cash Alex could get to quickly. Backing those out, and backing the mortgage out of liabilities since it's tied to the home, leaves a very different number:
| Figure | Amount |
|---|---|
| Liquid assets (448,000 total − 408,000 illiquid) | 40,000 |
| Liquid liabilities (245,000 total − 230,000 mortgage) | 15,000 |
| Liquid Net Worth | 25,000 |
| Debt-to-Asset Ratio (245,000 ÷ 448,000) | 54.7% — High |
| Home Equity (350,000 home − 230,000 mortgage) | 120,000 |
On paper Alex is worth 203,000. In cash-you-could-actually-reach terms, it's closer to 25,000 — and with liabilities at nearly 55% of assets, that's the figure worth paying more attention to than the headline net worth.
Disclaimer: This tool is for informational and educational purposes only and does not constitute financial, investment, tax, or legal advice. Results are hypothetical estimates based on your inputs and do not guarantee future performance. Consult a qualified professional before making financial decisions; we accept no liability for losses arising from use of this calculator. Please verify all calculations independently — this calculator may make mistakes.