Net worth is the one number that actually tells you where you stand financially, and most people have never sat down and added it up. On Android and iOS, the app built specifically for this is Worth It: a plain, private net worth tracker with no budgeting screens to wade through. We built Net Snapshot, a free net worth calculator that runs right here in your browser: move the sliders and watch the total move with them. No install, no signup.
Check your net worth now
It loads with a realistic starting example already filled in. Adjust any asset or debt and the total, the chart, and the split bar update instantly.
How to use it
Assets sit in one group: cash and savings, investments, retirement accounts, property, vehicles, and anything else you own. Liabilities sit in the other: mortgage, loans, credit cards, and other debts. Every slider has stepper buttons next to it for precise adjustments, and the big number at the top is simply assets minus liabilities, recalculated the instant you touch anything.
The chart toggle switches between two views. Breakdown shows a donut of your full balance sheet, assets shaded from light to dark indigo by category and liabilities in a single grey slice, so you can see at a glance what makes up the bulk of your position. Growth projects your net worth forward using a savings rate and monthly contribution you set yourself, assuming your cash, investments, and retirement balances keep compounding while your property, vehicles, and debts hold level. Your inputs are saved on this device only. Nothing you type here is sent anywhere.
How it compares to Worth It
We should be straight about what this is. Net Snapshot does one job: it turns a list of numbers into a net worth figure and a chart, in the time it takes to move a few sliders. Worth It is built for the longer game. The full app saves a dated entry every time you check in, so it builds an actual net worth history over months and years, not just a single snapshot. It also lets you track unlimited custom asset and debt categories, add notes to entries, and review your trend on a real timeline, all without linking a bank account or entering any budgeting data.
What we kept is the piece most people want first: a fast, honest total with a chart that responds the moment you change a number. What we dropped is everything that requires memory of your own finances over time. There is no saved history here, no trend line built from your actual check-ins, and nothing that persists beyond your own browser’s local storage.
Our honest advice: use Net Snapshot when you want a quick read on where you stand today, or want to try a few “what if I paid off this loan” scenarios in thirty seconds. Get the full app when you want to track your net worth month over month and actually see the trend, since that is the part a one-time calculator cannot give you.
Get the full app
Worth It is free on both Android and iOS, keeps everything on your device with no account required, and adds a running net worth history alongside custom categories and notes.
Frequently asked questions
How is net worth calculated?
Net worth is simply everything you own minus everything you owe: total assets (cash, investments, retirement accounts, property, vehicles, and other valuables) minus total liabilities (mortgage, loans, credit cards, and other debts). The calculator above adds and subtracts those numbers live as you move each slider.
Is this net worth calculator free?
Yes, completely. There is no signup, no download, and no usage limit. The calculator runs entirely in your browser once the page loads, and your last inputs are stored in your browser’s local storage so they are still there the next time you open it.
Does any of my financial information get sent anywhere?
No. Every number you enter stays in your browser’s local storage on your own device. Nothing is uploaded, no account is created, and we have no way to see what you typed. That is true whether you use the calculator here or download the full app below.
Is the growth projection accurate?
The projection is an illustration, not a forecast. It assumes your cash, investments, and retirement balances grow at a constant rate you choose and receive a fixed monthly contribution, while your property, vehicles, and debts stay level. Real markets fluctuate and most people pay down debt or buy new assets over time, so treat the curve as a rough guide, not investment advice.
Is this the official Worth It app?
No. Net Snapshot is an original tool we built, inspired by the net worth calculator inside Worth It. It is not affiliated with, endorsed by, or connected to Worth It’s developer in any way. If you want ongoing net worth tracking with saved history, get the official app from the stores above.
