Add up everything you own, subtract everything you owe, and see the one figure that actually tracks your financial progress. Nothing you type is sent anywhere.
The whole idea
One number. It goes up when you save or pay down debt, and down when you spend more than you earn.
Plenty of people have a negative net worth for years: a student loan, a new mortgage, a car bought on finance. What matters is the direction of travel, not the sign. If you want the full breakdown of what belongs on each side of the equation, read how to calculate your net worth.
Common mistake
Counting a mortgaged house as one number
List the property at its value and the loan as a liability. The net figure is the same today, but only the split version tells you what happens when prices or the balance move.
Common mistake
Forgetting the credit card
An unpaid card balance is a liability even if you intend to clear it this month.
Doing this every month by hand? That is precisely what NetWorth+ automates, including balances held in other currencies, which is where a spreadsheet usually starts lying to you.
This calculator runs entirely in your browser. Nothing you type is sent anywhere, stored, or logged; reload the page and it is gone. It is provided for general information only and is not financial, tax or investment advice. Results are estimates: real lenders apply fees, rounding and day-count conventions that vary by product and country. Always check figures against your own statements or your lender before acting on them.
NetWorth+ is available for Android and iPhone. No bank login, no advertising, and nothing recorded until you approve it.