100% Private In-Browser Calculation • Zero Sign-Up

Free Net Worth Calculator & Tracker

Calculate your overall financial health by subtracting your total liabilities from your total assets. Completely private, calculated on your device in real time.

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Assets (What You Own)

$330,000

Cash, investments, property, crypto, and valuables

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$
$
$
$
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Liabilities (What You Owe)

$186,200

Mortgages, loans, debt balances, and revolving credit

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$
$
$
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Total Net WorthPositive Wealth
$143,800
Assets ($330,000)Debts ($186,200)
Debt-to-Asset Ratio
56%

Moderate Leverage

Liquid Net Worth
-$118,200

Excludes illiquid assets

Track Net Worth Evolution in Sumio

Automate market values for stocks, ETFs, crypto, and real estate with 256-bit AES on-device encryption. Zero bank scraping required.

Zero Server Transmission

This calculator is 100% private. Computations execute entirely inside your web browser. No figures are transmitted or stored on any server.

How Net Worth Tracking Works

Key principles, formulas, and best practices for building long-term wealth privately.

What is Net Worth?

Net worth is the monetary value of everything you own (your assets) minus everything you owe (your liabilities). It provides the single most accurate gauge of your true financial health and long-term solvency.

Total Net Worth vs. Liquid Net Worth

Total net worth includes physical assets like real estate, vehicles, and collectibles. Liquid net worth counts only assets you can quickly convert into cash (cash, stocks, ETFs, crypto) minus debts, reflecting your immediate emergency resilience.

What is the Debt-to-Asset Ratio?

The debt-to-asset ratio is calculated as (Total Liabilities / Total Assets) × 100. A ratio below 50% means you own more than double what you owe, indicating strong balance sheet health.

Why Use a Privacy-First Tracker Like Sumio?

Traditional aggregators store bank credentials on cloud servers. Sumio keeps your entire balance sheet encrypted locally on your phone or tablet with 256-bit AES encryption, fetching public market data without exposing your identity.

Personal Balance Sheet Overview

CategoryTypical AssetsTypical Liabilities
Liquid / CashChecking, High-Yield Savings, CDs, CashCredit card balances, Overdrafts
InvestmentsStocks, ETFs, Mutual Funds, Retirement (401k/IRA)Margin debt, Investment loans
Real EstatePrimary residence, Rental properties, LandMortgage principal, HELOCs
Personal & OtherVehicles, Art, Crypto, Precious MetalsAuto loans, Student debt, Personal loans