Net Worth Tracker

Net worth is the single clearest measure of financial progress: everything you own minus everything you owe. Add your items below - they are saved in your browser only (never uploaded), so your snapshot is waiting next time you visit on this device.

What you own

What you owe

Saved only in this browser — nothing is uploaded. Reset wipes it.

Your net worth —
Total assets—
Total liabilities—
Debt-to-asset ratio—
ℹ️—

Results update as you type and are estimates for education only — they don't account for taxes, fees or your personal situation, and nothing here is financial advice. Your inputs stay on this device.

How it works

  1. Add assets: cash, savings, investments, retirement accounts, property, vehicles.
  2. Add liabilities: mortgage balance, loans, credit cards, anything you owe.
  3. Net worth = total assets - total liabilities, updated as you type.
  4. Your entries are stored in this browser's local storage - private to this device, nothing sent to any server.
  5. Revisit monthly or quarterly; the direction of the number matters more than its size.

The formula

Net worth = sum(assets) - sum(liabilities). A negative result is common early on (student loans, new mortgage) - the goal is a rising trend, not a particular number.

Frequently asked questions

Where is my data stored?
In your browser's local storage on this device only. Nothing is transmitted, and we could not see it if we wanted to. Clearing browser data, using private mode or switching devices means starting fresh - use the print/save button to keep a copy.
Should I count my car and home?
Count them at realistic resale value, and count the loans against them as liabilities. Some people track a second 'liquid net worth' that excludes the home - both views are valid; consistency matters more than the convention you pick.
My net worth is negative - is that bad?
It is normal early in adult life, especially with student debt. What matters is trajectory: paying down debt and saving both push the number up. Tracking it every month or two makes the progress visible and motivating.
How is this different from a budget?
A budget tracks monthly flow (income vs spending); net worth tracks the accumulated stock of wealth. The budget is the engine, net worth is the odometer - you want both.
Keep planning

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