A free, no-signup net worth calculator — add up your cash, investments, pension and property, subtract your mortgage and other debts, and see the number and the mix behind it.
How it's calculated
Enter each asset category you hold (cash and savings, investments, pension, property value, anything else of value) and each liability (mortgage balance, other loans, credit card debt). Total assets minus total liabilities is your net worth, with a breakdown of what your assets are actually made up of.
What counts as an asset or a liability
Assets are things you own that could be turned into money: cash and savings, investments, the value of your pension, the market value of your home and any other property, and valuable items such as a car. Liabilities are what you owe: the outstanding mortgage balance, personal or car loans, and credit card debt. Your net worth is the total of the first list minus the total of the second.
A simple example
Suppose you have €25,000 in savings, €40,000 in investments, a pension worth €60,000 and a home valued at €350,000, so total assets of €475,000. You owe €220,000 on the mortgage and €5,000 on a car loan, so liabilities are €225,000. Your net worth is €475,000 − €225,000 = €250,000. Over half of your assets, €350,000 of €475,000, sit in a single property, which is the kind of concentration the breakdown is designed to show.
Reading the number sensibly
- Use market values, not what you paid. Update property and investment values each time you check.
- Pension value is not spendable yet. It counts toward net worth but is locked until retirement, so also look at how much of your worth is liquid.
- Track the trend, not one snapshot. Recalculating every few months shows whether debt is falling and assets are growing.
Nothing you enter is sent to a server. The calculation runs in your browser.
Try it with your own numbers. Free, runs entirely in your browser — nothing you enter is sent anywhere.
📢 Have questions or feedback? Drop a comment below or connect with me on Twitter/X@spysood!