Frequently Asked Questions
Everything you need to know about the Net Worth Calculator.
How does the net worth calculator work?
Add your assets and liabilities as line items; it totals both and subtracts to show your net worth.
Is it free?
Completely free, no sign-up or limits.
What counts as an asset?
Cash, savings, investments, retirement accounts, real estate, vehicles, and any other item of value you own.
What counts as a liability?
Any debt you owe: mortgage balance, loans, credit card debt, and similar obligations.
What if my net worth is negative?
This means liabilities exceed assets; it's shown clearly, and is common early in life (e.g. with student loans or a new mortgage) — not necessarily alarming on its own.
Can I add custom categories or line items?
Yes, add as many labeled line items as you need within each category.
Does it show a breakdown chart?
Yes, a chart visualizes the composition of your assets and liabilities separately.
Is my financial data saved anywhere?
No; nothing is stored or sent — all calculation happens locally in your browser and disappears when you leave the page.
What is the debt-to-asset ratio shown?
A supplementary metric (liabilities ÷ assets) indicating how leveraged your overall position is.
Does it work on mobile?
Yes, fully responsive, including the add-a-row line item inputs.