净资产计算器
列出资产与负债，看清你拥有的减去你欠下的。
资产（你拥有的）
负债（你欠下的）
资产合计
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负债合计
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净资产
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资产 vs 负债（模拟）
模拟结果这是基于你填写的估算值的快照，用于追踪趋势，不是评判，也不是建议。
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.
计算器常见问题
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.