Free net worth calculator
Calculate net worth: assets minus liabilities
Use this net worth calculator directly in your browser. Add cash, investments, real estate, and other assets, then subtract mortgages, loans, and other liabilities to calculate your personal net worth.
- No registration
- Inputs are not transmitted
- Separate assets from liabilities
Sample values — your entries are calculated only in this browser tab and are not sent to foluno.
What counts toward net worth?
Gross assets generally include everything with a measurable economic value: cash accounts, investments, real estate, private company holdings, precious metals, digital assets, and other valuable positions. Use realistic values from one consistent valuation date.
- Cash and liquid accounts
- Stocks, ETFs, funds, and other investments
- Real estate, private holdings, and tangible assets
Which liabilities should be subtracted?
Subtract every outstanding obligation from gross assets. This includes mortgages, personal loans, securities-backed credit, and private financing. The remainder is your calculated net worth.
- Use the current balance, not the original loan amount
- Convert foreign currencies consistently
- Align asset values and debts to the same date
Move from a result to a living net worth dashboard
A one-time result is a useful starting point. Foluno lets you record individual positions and financing, document valuation dates, and review how net worth changes over time.
- Review gross assets and net worth separately
- Connect financing to the relevant assets
- Compare changes across recorded valuation dates
FAQ
Frequently asked questions
How do you calculate net worth?
Net worth equals the total value of all assets minus all outstanding liabilities. Both sides should be valued on the same date.
Does a primary residence count as an asset?
Yes. Use a realistic property value as an asset and subtract the outstanding mortgage separately as a liability.
Are calculator inputs stored?
No. This calculator runs entirely in the current browser tab and does not send the entered amounts to Foluno.
Turn one number into a traceable balance sheet
Move the categories into Foluno and continue tracking net worth across real valuation dates.