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Net worth tracker
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Add up what you own and what you owe, then record your net worth each month to watch it grow over time.
- Total assets$578,000
- Total debts$275,000
- Debt as a share of assets48%
- Savings and investments you can reach quickly$40,000
Records are saved on this device with your other entries and are included in your backups.
How this calculator works
Net worth is everything you own, like savings, retirement accounts, investments, your home, and your car, minus everything you owe, like your mortgage, loans, and credit card balances. It is the single best number for tracking your overall financial progress, because paying down debt raises it just as much as saving more. Update your numbers once a month or once a quarter and press Record to save a snapshot; the history table shows how much you have gained or lost since the last record. Use realistic values for homes and cars, such as a recent estimate minus the cost of selling.
A worked example
The example household owns $578,000 in total: $15,000 in checking and savings, $120,000 in retirement accounts, $25,000 in a brokerage account, a home worth $400,000, and an $18,000 car. It owes $275,000: a $260,000 mortgage, a $12,000 car loan, and $3,000 on credit cards.
Net worth is the difference, $303,000. Debts are 48% of assets. Of everything the household owns, only $40,000 (the bank and brokerage accounts) could be reached quickly without selling the house or tapping retirement accounts.
How to read your results
The headline number matters less than its direction. Press the record button once a month and the history table starts showing the change since your last record, in green when you gained and red when you lost. A year of records tells you far more than any single figure.
"Debt as a share of assets" shows how much of what you own is financed. It falls as you pay down loans and as your savings grow. "Savings and investments you can reach quickly" is a reality check: a high net worth that is almost entirely home equity and retirement accounts will not help with a surprise bill next month.
Common mistakes to avoid
- Using an optimistic home value. Use a recent, realistic estimate, and consider taking off about 6% for the cost of selling. An inflated home value makes every other number look better than it is.
- Listing what you paid for the car. Cars lose value every year. Use what yours would sell for today.
- Forgetting debts that have no monthly statement. Money owed to family, medical bills on a payment plan, and taxes you owe all reduce net worth.
- Reacting to one month. Investments move up and down. A single bad month means little. A falling trend over a year is worth a closer look.
Read the guide: How to track your net worth
Common questions
What counts toward net worth?
Everything you own, like cash, retirement accounts, investments, your home, and vehicles, minus everything you owe, like your mortgage, car loans, student loans, and credit card balances.
How often should I track my net worth?
Once a month or once a quarter is plenty. The trend over several years matters much more than any single month, since investments rise and fall.
Why not use an app that links my accounts?
Linked apps update automatically, but they need your bank logins and often charge a subscription or try to sell advisory services. This tracker takes a few minutes a month and never sees your accounts.
Should I count my home in my net worth?
Yes, along with the mortgage against it. It is still useful to notice how much of your net worth is home equity, because that money is hard to spend without selling or borrowing.
Can net worth be negative?
Yes. It is common early in a career, when student loans or a car loan are larger than savings. What matters is that the number rises over time.
Do I count a pension or Social Security?
Most people leave them out, because they are future income and not something you own today. If you have a pension with a cash-out value, you could add that value as an asset.
Disclaimer: This calculator is for education and planning only and is not financial advice. Actual rates, fees, and terms vary by lender and your credit, so confirm the numbers with your lender before you sign anything.
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