Net Worth Tracker

What Is Net Worth?

Net worth is the simplest measure of your financial health: the total value of everything you own (assets) minus the total of everything you owe (liabilities). A positive net worth means your assets exceed your debts. A negative net worth is common when starting out — student loans and a mortgage can easily push you into the red early in life.

The number itself matters less than the trend. Track it every few months and watch it grow over time.

What Counts as an Asset?

• Checking & Savings: Cash in bank accounts, money market accounts.
• Investments: Brokerage accounts, stocks, ETFs, mutual funds, bonds.
• Retirement accounts: 401(k), IRA, Roth IRA, pension value.
• Real estate: Current market value of your home or investment properties.
• Other: Vehicles (at current value), business equity, crypto, collectibles.

What Counts as a Liability?

• Mortgage balance: What you still owe on your home loan(s).
• Car loans: Outstanding auto financing.
• Credit card debt: Current balances carrying interest.
• Student loans: Federal and private student loan balances.
• Other debts: Personal loans, medical debt, HELOC balances.

How Often Should You Track It?

Quarterly is the sweet spot for most people — frequent enough to catch trends, infrequent enough that short-term market swings don't create false anxiety. Use the Snapshot feature to build a history over time. Watching your net worth chart go up-and-to-the-right is one of the most motivating things in personal finance.

Privacy

This tool uses your browser's localStorage to save your data. Nothing is transmitted to any server. No account, no cookies, no tracking. Your financial data stays entirely on your device.