Calculate your complete net worth.
Add what you own, subtract what you owe, and see the number that connects your entire financial life.
Assets minus liabilities. Simple — when nothing is missing.
Net worth is the current value of everything you own minus every outstanding liability. The useful part is not a single result, but tracking the same complete calculation consistently over time.
Net worth = total assets − total liabilities
The calculation uses the values you enter and assumes the selected rates remain constant throughout the scenario.
If your assets are worth $600,000 and liabilities total $200,000, net worth is $400,000. The number is only a starting point; the useful insight is why it changes over time.
Use current values
Use today’s reasonable market value rather than the original purchase price.
Include every meaningful liability
Mortgages, personal loans and other debt reduce net worth even when the related asset is included.
Track the trend
A monthly history reveals whether your financial position is genuinely strengthening.
How to interpret the result
Is the result a prediction?
No. It is a transparent scenario based on your inputs. Returns, inflation, spending and personal circumstances can all develop differently.
How often should I update the calculation?
After a major financial change and at least a few times a year. For long-term decisions, consistent updates matter more than a one-time perfect estimate.
Does this calculator store my numbers?
No. The calculation runs in your browser. If you want history and a recurring monthly view, you can manage your figures inside Hugo.
Educational tool, not personal advice. Results use only your inputs and general assumptions. They are not investment, tax, legal or accounting advice.