Free Net Worth Calculator
Add up your assets and debts to see your net worth and how leveraged you are.
It totals cash, investments, home, vehicles and other assets, then subtracts the mortgage, car loans, student loans, card debt and other debts. Net worth is assets minus debts, and the tool also shows debts as a percentage of assets and your liquid (cash plus investments) total.
How to use the Net Worth Calculator
- Replace the sample figures with your own income and spending.
- Watch the totals and the amount left over update in the preview.
- Download or print the sheet and review it again next month.
About the Net Worth Calculator
Add up your assets and debts to see your net worth and how leveraged you are.
A budget works when it is simple enough to keep using. Seeing income, bills and savings side by side makes it much easier to spot where the month is going.
Getting started with the Net Worth Calculator
Using the net worth calculator takes a minute or two. Your entries are saved in this browser, so you can come back later and carry on.
Tips for better results
Use the same valuation method each time, such as conservative market estimates, and recalculate every few months so the trend is meaningful. Vehicles lose value fast, so check current resale prices rather than the purchase price.
Use real figures from your bank statements, not estimates from memory.
Review the plan at the end of each month and adjust the next one.
Privacy and where your data goes
Everything you type into the net worth calculator stays on your own device. Zapxa does not receive your numbers or documents. If you clear your browser data, your saved entries will be removed, so download a PDF of anything you want to keep.
Frequently asked questions
Should I include my home in net worth?
Yes, the home value counts as an asset and the mortgage as a debt, so only your equity affects the total. Many people also track net worth without the home to see their more liquid position.
Can net worth be negative?
Yes. If debts exceed assets, for example with large student loans and few savings, the result is negative. That is common early in a career and usually improves as debts shrink.
Is the net worth calculator free?
Yes. It is free to use with no signup, no watermark and no usage limits.
Is my data private?
Yes. Your inputs are processed in your browser and saved only in its local storage. They are not uploaded to our servers.
Does it work on mobile?
Yes. Zapxa works on phones, tablets and desktops. Use the print button or download a PDF to keep a copy.
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