Net worth is everything you own minus everything you owe. It is a snapshot of your financial position at one moment, not a judgment of your progress.

Is this calculator financial advice?

No. The StickMoney net worth calculator is for general education. It organizes numbers you enter and is not personalized financial advice.

Net Worth Calculator

Add up what you own, subtract what you owe — one honest number, fully broken down.

What you own and owe

Everything runs in your browser. Nothing is sent anywhere. Use one currency — convert other currencies yourself before entering them.

Currency

Assets — what you own

Estimates are fine; property and investment values move. Empty amounts count as zero.

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Amount for Cash
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Amount for Savings accounts
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Amount for Investments
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Amount for Retirement accounts
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Amount for Property
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Amount for Vehicles
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Amount for Other assets

Liabilities — what you owe

Current balances owed. Empty amounts count as zero.

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Amount for Mortgage / home loan
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Amount for Vehicle loans
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Amount for Student loans
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Amount for Credit card balances
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Amount for Personal loans
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Amount for Other debts

Your net worth

Net worth (assets − liabilities): $43,500; You own more than you owe.
Total assets: $45,000
Total liabilities: $1,500

Assets vs. liabilities

Assets$45,000

Liabilities$1,500

Assets breakdown

Cash$2,000
Savings accounts$8,000
Investments$15,000
Retirement accounts$20,000

Liabilities breakdown

Credit card balances$1,500

Property and investment figures are your estimates, not market valuations. A snapshot for education, not financial advice.

How it works

List everything you own and everything you owe, in a single currency (convert other currencies yourself first). The math is one line:

Net worth = total assets − total liabilities

A worked example

Assets of $275,000 ($5,000 cash,$20,000 investments, $250,000 property) against $183,000 owed: a net worth of $92,000. Generated by the same engine as the live calculator above.

Limits

Property and investment figures are your estimates, not precise valuations.
No history tracking or account connections — a one-moment snapshot.
Not personalized financial advice.

Frequently asked questions

What counts as an asset?

Anything you own with value: cash, savings, investments, retirement accounts, property, vehicles. Use honest estimates — a car's resale value, not what you paid for it. When unsure, estimate conservatively.

Is negative net worth bad?

It's information, not a verdict. Most people start negative (student loans, a mortgage larger than early equity) and cross into positive as debts shrink and assets grow. The trend over years matters far more than today's number.

How precise should property values be?

Roughly right is fine. Use a recent comparable sale or a conservative estimate, and revisit yearly. This calculator treats your figure as an input, never as a market valuation.

Do you store my data?

No. Everything runs in your browser and vanishes when you leave. No accounts, no tracking of your finances.