The net worth tracker gives you a complete snapshot of your financial health by comparing everything you own against everything you owe. Enter your assets and liabilities below to calculate your net worth instantly.
Assets (What You Own)
Liabilities (What You Owe)
How to Use the Net Worth Tracker
A net worth tracker is the single most important financial health metric. It answers: "Am I building wealth or losing ground?" Understanding your net worth helps you set realistic financial goals and measure progress over time.
Step 1: Enter Your Assets
Assets fall into three groups. Liquid assets (checking, savings, cash) can be accessed immediately. Investment assets (401k, IRA, brokerage) grow over time but may have withdrawal restrictions. Physical assets (home, vehicle) have market value but aren't immediately liquid. Use current market values, not original purchase prices.
Step 2: Enter Your Liabilities
Enter current outstanding balances, not original loan amounts. For your mortgage, find the current principal balance (not the home value minus down payment). For credit cards, use the current statement balance. Don't forget smaller debts — personal loans and medical bills add up.
Step 3: Review Your Financial Picture
Your debt-to-asset ratio shows what percentage of your assets are financed by debt. Below 50% is generally healthy; above 80% means most of what you "own" is actually the bank's. Your liquid assets metric shows immediate financial flexibility — aim for at least 3-6 months of expenses in liquid form.
Growing Your Net Worth
Net worth grows two ways: increasing assets (saving and investing) and reducing liabilities (paying down debt). High-interest debt (credit cards at 20%+ APR) destroys net worth faster than most investments can build it. Pay down high-rate debt first, then focus on growing your investment portfolio.
Frequently Asked Questions
What is net worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). A positive net worth means your assets exceed your debts. Growing net worth over time is the foundation of financial health.
What counts as an asset?
Assets include cash and bank accounts, investment accounts (stocks, bonds, ETFs), retirement accounts (401k, IRA), real estate value, vehicles, business ownership interests, and any other valuable property you own.
What counts as a liability?
Liabilities include mortgage balances, auto loans, student loans, credit card balances, personal loans, medical debt, and any other money you owe to others.
What is a good net worth by age?
A common rule of thumb: by 30, have 1x your salary saved; by 40, 3x; by 50, 6x; by 60, 8x. But net worth varies widely — the most important metric is whether your net worth is growing year over year.
Is my data saved?
No data is stored on our servers. Everything runs locally in your browser. For privacy, your financial details never leave your device.
How often should I track net worth?
Most financial planners recommend quarterly tracking. Monthly is fine for those paying down debt aggressively. Annual snapshots are the minimum to spot long-term trends.