Net Worth Tracker
One number tells you more about your money than a dozen account balances: your net worth. Type in what you own and what you owe, and save a snapshot each month to watch the trend.
Your numbers
Assets
Debts
Where you stand
Snapshot history
Save a snapshot once a month — it updates if you already saved one today.
No snapshots yet — save your first one to start tracking your net worth over time.
What is net worth?
Net worth is the simplest honest summary of your money: everything you own, minus everything you owe. A $500,000 house with a $400,000 mortgage isn't a $500,000 asset — it's $100,000 of equity. A $60,000 401(k) with $45,000 of credit card debt isn't $60,000 of wealth — it's $15,000. Net worth forces both sides of the ledger into one number.
Why track it instead of checking balances
Account balances bounce around and flatter you. Your checking account looks great the day after payday; your brokerage looks terrible after a red week. Neither tells you whether you're actually getting richer. Net worth is the scoreboard: if it's rising month after month, your plan is working — debts are shrinking, investments are compounding, equity is building. If it's flat or falling, something needs attention, and one number makes that impossible to ignore.
What counts as an asset
Anything with real resale value: cash and savings, brokerage and retirement accounts, your home at a realistic sale price, and a car or valuables if you want them. Be honest about the home value — use what similar homes nearby actually sold for, not the aspirational listing price. Retirement accounts count at their current balance, even though you'll owe tax on withdrawals later.
What counts as a debt
Everything you owe, at the current payoff balance: mortgage, student loans, auto loans, credit card balances, personal loans, medical debt. Don't list monthly payments — list the full remaining balance. That's the number that has to reach zero.
Worked example
Take the defaults on this page: assets of $475,000 ($15k cash, $40k brokerage, $60k retirement, $350k home, $10k other) against debts of $295,000 ($280k mortgage, $12k auto, $3k cards). Net worth: $180,000. Now imagine a year of $500-a-month extra mortgage payments plus steady investing — the next snapshot might read $195,000, and that $15,000 jump is the progress that account balances alone would never show you.
Caveats worth knowing
- Home values are estimates. Online estimators can be off by 5–10% either way. Revisit your number once or twice a year, not monthly.
- Retirement balances are pre-tax. A $100,000 traditional 401(k) isn't worth $100,000 of spending money. That's fine — just be consistent about it.
- Negative net worth is a starting point, not a verdict. Plenty of people start below zero with student loans. The only number that matters is the direction of the line.
- Snapshots live in this browser only. Clearing browser data erases your history — download the CSV now and then as a backup.