Free Net Worth Calculator
Calculate your overall financial standing by subtracting what you owe (liabilities) from what you own (assets). No registration, no bank login, and zero data tracking.
Your Assets (What You Own)
Your Liabilities (What You Owe)
Zero Server Data Collection
This calculator runs entirely in JavaScript on your computer or phone. None of the numbers you enter are sent to our servers or saved anywhere.
Understanding Your Net Worth
What is Net Worth?
Net worth is the total monetary value of everything you own (your assets) minus everything you owe to creditors or lenders (your liabilities). It is the single most accurate gauge of overall financial health.
How often should you calculate it?
Most financial planners recommend recalculating and logging your net worth once a month or at least once per quarter to monitor long-term trends and adjust financial plans.
Why track assets and liabilities separately?
Separating assets and liabilities reveals your debt-to-asset ratio. Even if your net worth is growing, excessive high-interest consumer debt can slow down long-term compounding.
Why use an offline-first app like Sumio?
Traditional aggregators store bank credentials on third-party servers. Sumio encrypts your net worth locally on your device with 256-bit AES encryption and updates market values automatically without linking bank logins.