Sselfinance
    1. Home
    3. Calculator
    5. Net worth

    Net Worth Calculator

    Calculate your net worth by listing your assets and liabilities. See your total assets, total debts, asset-to-liability ratio, and a clear breakdown by category — in any currency. No signup required.

    0

    0 assets · 0 liabilities

    Assets vs liabilities

    How your wealth and debt compare

    Total Assets
    Total Liabilities
    Total Assets
    Total Liabilities
    Currency

    Your net worth breakdown

    The numbers behind your net worth

    Net worth

    0

    Total assets

    0

    Total liabilities

    0

    Asset-to-liability ratio

    ∞

    Assets

    What you own

    Liabilities

    What you owe

    Asset breakdown

    No assets added yet

    Liability breakdown

    No liabilities added yet

    0

    0 assets · 0 liabilities

    Assets vs liabilities

    How your wealth and debt compare

    Total Assets
    Total Liabilities
    Total Assets
    Total Liabilities

    Assets

    What you own

    Liabilities

    What you owe

    Currency

    Your net worth breakdown

    The numbers behind your net worth

    Net worth

    0

    Total assets

    0

    Total liabilities

    0

    Asset-to-liability ratio

    ∞

    Asset breakdown

    No assets added yet

    Liability breakdown

    No liabilities added yet

    What it is

    This calculator works out your net worth — the difference between everything you own and everything you owe. List your assets and liabilities, choose your currency, and see your total wealth, total debt, and how the two compare at a glance.

    Net worth is the clearest single measure of financial health. Tracking it over time shows whether you're genuinely building wealth, regardless of how much you earn or spend.

    How the math works

    Assets
    Everything you own that has value — cash, investments, retirement accounts, property, vehicles, and business interests.
    Liabilities
    Everything you owe — mortgages, auto and student loans, credit-card balances, and other debts.
    Net worth
    Total assets − total liabilities. A positive number means you own more than you owe.
    Asset-to-liability ratio
    Total assets ÷ total liabilities. A ratio above 1 means your assets exceed your debts; higher is stronger.

    Assumptions & caveats

    • Use current market values for assets, not what you originally paid for them.
    • Include every debt — even small balances and loans from family — for an accurate picture.
    • This is a point-in-time snapshot; recalculate periodically (monthly or quarterly) to track your trend.
    • Illiquid assets like a home or business can be hard to value precisely and slow to sell.

    Frequently asked questions

    Anything you own with monetary value: cash and bank balances, investment and retirement accounts, real estate, vehicles, valuable personal property, and business assets. Use current market value, not purchase price.

    Yes. Include your home's current market value as an asset and the outstanding mortgage as a liability. The difference (your home equity) is the part that contributes to your net worth.

    There's no universal target — it depends on your age, income, and goals. More useful than any single number is the trend: a net worth that grows year over year, and an asset-to-liability ratio comfortably above 1.

    Recalculating once a month or each quarter is enough to spot trends without obsessing over short-term market swings. Connecting your accounts lets it update automatically.

    Track your net worth automatically

    Connect your accounts and selfinance keeps your net worth, assets, and liabilities up to date without manual entry.

    Get started

    Your complete financial picture, finally in one place

    Join thousands who replaced their spreadsheet juggle and four-app routine with a single, automated view of their net worth, budget, and investments.

    Cancel anytime

    Sselfinance

    Your personal finance companion for tracking net worth, expenses, savings, and investments — in one place.

    Product

    • Features
    • Pricing
    • Calculators
    • Assets

    Features

    • Dashboard & net worth
    • Budget
    • AI connector (Claude & ChatGPT)
    • Emergency fund
    • Debt repayment

    Company

    • FAQ

    Legal

    • Terms and conditions
    • Privacy policy

    © 2026 Selfinance. All rights reserved.

    Manage your financial era.