Net Worth Calculator
List assets and liabilities to see what you own minus what you owe.
Assets (what you own)
Liabilities (what you owe)
Total assets
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Total liabilities
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Net worth
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Assets vs liabilities (simulated)
シミュレーション結果A snapshot based on the estimates you enter. It is a scorecard for tracking trends, not a verdict or advice.
Net worth is assets minus liabilities — a single snapshot of what you own versus what you owe. Tracked over time it reveals whether financial decisions are building long-term resilience.
Assets vs. liabilities
Assets include cash, investments, retirement accounts, and property at realistic sale value. Liabilities are credit card balances, student and personal loans, mortgages, and other obligations.
A depreciating car counted generously can inflate the number; use conservative valuations.
Why trend beats a single number
A negative or low net worth is common early in adulthood, especially with student loans. The meaningful signal is direction: is the gap widening or closing over 12–24 months?
Privacy by design
You can use this tool as a guest without entering account numbers. We never ask for bank credentials or full card numbers.
Calculator FAQ
Should my house be valued at purchase price?
Use a realistic current market estimate, and remember selling carries costs and the remaining mortgage is a liability. Precision matters less than consistent tracking.
What is a good net worth?
There is no universal benchmark — it depends on age, city, family, and life stage. Focus on your own trend and on liquidity, not just a headline number.
Is my data private?
Calculations run in your browser in this demo. We never request bank passwords, full card numbers, or transaction passwords.