Free calculator
Net worth calculator
Your net worth is everything you own minus everything you owe. Enter your balances below and the figure updates as you type, in any of 31 currencies. Nothing is sent anywhere and no account is needed.
Try it — no account needed
Work out your net worth
What you own
What you owe
Your net worth
€0
Type a few numbers above — nothing is sent anywhere until you create an account.
How to calculate your net worth
The formula is one line: total assets − total liabilities = net worth. The work is not the arithmetic, it is being honest and complete about what goes on each side.
Count as assets
- Cash, current and savings accounts
- Investments, ETFs, shares and crypto
- Pensions and retirement accounts
- Property, at what it would sell for today
- Vehicles and anything else resaleable
Value things at what someone would actually pay you today, not what you paid.
Count as liabilities
- Mortgage balance outstanding
- Car, personal and student loans
- Credit card balances
- Tax owed but not yet paid
- Money you owe family or friends
Use the payoff balance, not the monthly payment.
A negative result is common and not a failure — a recent graduate with student debt or a new mortgage holder will often be below zero. What matters is the direction of travel over time, which is precisely what a single snapshot cannot show you.
Three mistakes that make the number wrong
Counting income as an asset. Your salary is not net worth. Only what you have kept counts — the money already in an account, not the money arriving next month.
Valuing property at the purchase price. Use a realistic current sale price, and subtract the mortgage separately on the liabilities side. Recording the equity only, or the purchase price only, both distort the total.
Quietly excluding the uncomfortable debts. A number that leaves out the credit card is a number you cannot make decisions with. Completeness matters more than the figure looking good.
A single number tells you almost nothing
The calculator above gives you today's figure. On its own it is trivia. €50,000 means something entirely different depending on whether it was €30,000 last year or €80,000.
The useful version is the same calculation repeated monthly, so you get a line rather than a dot. That is the part a spreadsheet makes tedious: prices move, currencies drift, formulas break, and the file goes stale the day you close it.
NetWorthTrackr keeps the calculation current for you. Stocks, ETFs and crypto price themselves from public market data. Balances across 31 currencies convert nightly at European Central Bank reference rates. You update the handful of accounts that changed, and the history accumulates on its own — without ever connecting a bank account.
Calculating once versus tracking over time
| Tracking it | A one-off calculation | |
|---|---|---|
| What you learn | Direction, pace, and what is driving the change | A single figure with no context |
| Market holdings | Repriced automatically from public data | Correct on the day you typed them |
| Multiple currencies | 31, converted nightly at ECB rates | Manual conversion at whatever rate you found |
| Effort per month | A few minutes updating what moved | Rebuild the whole thing from scratch |
| Cost | Free | Free |
If you only want to know roughly where you stand today, the calculator above is enough and you need nothing else. Tracking earns its keep when you want to see whether the number is actually moving, when holdings are priced in markets that move daily, or when your money sits in more than one currency.
Common questions
Add up everything you own — cash, investments, pensions, property, vehicles — then subtract everything you owe, including your mortgage balance, loans and credit cards. The result is your net worth. The calculator above does the arithmetic as you type.
Yes. Put its realistic current sale value on the assets side, and the outstanding mortgage balance on the liabilities side. Do not net them into one figure — you lose the ability to see how much of your wealth is tied up in property.
No. Net worth measures what you have accumulated, not what you earn. Income only affects it once some of it has been saved, invested, or used to pay down debt.
It is very common and not a verdict on you. Student loans and a recent mortgage both push people below zero. What matters is whether the figure is improving over time, which is why tracking it beats calculating it once.
Pick one base currency and convert everything into it, otherwise the total is meaningless. NetWorthTrackr does this automatically across 31 currencies at nightly European Central Bank reference rates.
Monthly is the sweet spot for most people. Often enough to catch a trend, rarely enough that normal market noise does not dominate. Quarterly works if your finances are simple.
Yes, with no signup and nothing sent anywhere. If you want to save the result and watch it over time, an account is free too — every feature, no credit card.