A simple assets-minus-liabilities snapshot using the figures you enter. It does not value anything for you — use current market or account values.
How this works
Net worth = (cash + investments + property + other assets) − (mortgage + loans + other debt)
Net worth is a snapshot, not a forecast — it changes as balances, property values and markets move.
A negative net worth is common early on (student loans, a new mortgage) and is not itself a problem if income and savings are moving the right way.
Track it every few months rather than daily — short-term swings in investment or property value are noise.
Liquid net worth (cash and investments only, excluding property) is a separate, useful number for how much you could access quickly.
Currency
Amounts follow the currency selected above.
What counts as an asset?
Anything with resale or cash value: bank balances, investments and retirement accounts, property, vehicles, and valuable possessions. Use current market value, not what you paid.
What counts as a liability?
Anything you owe: mortgage balance, car loans, student loans, credit card balances, and any other outstanding debt — the balance owed today, not the original loan amount.
What is a good net worth for my age?
It varies enormously with income, location and starting point, so there is no single target to hit. The more useful measure is the trend — is your net worth higher than it was a year ago?
Should I count my car or personal belongings as assets?
A car is usually included at its current resale value under "Property & vehicles" since it can be sold. Everyday personal belongings — furniture, clothing, electronics — are typically left out, since they have little resale value and are not usually treated as part of a meaningful net worth figure.