Net Worth Tracker Calculator
ANA›Life Services Authority›National Calculator Authority›Net Worth Tracker Calculator
.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }
Net Worth Tracker Calculator
Calculate your net worth by entering all your assets and liabilities. Net Worth = Total Assets − Total Liabilities.
### Assets
#### Liquid Assets
Cash & Checking Accounts ($)
Savings Accounts ($)
Money Market / CDs ($)
#### Investment Assets
Stocks & Bonds ($)
Retirement Accounts (401k, IRA, etc.) ($)
Other Investments ($)
#### Personal Property
Primary Home Value ($)
Other Real Estate ($)
Vehicles ($)
Other Personal Property ($)
### Liabilities
#### Short-Term Liabilities
Credit Card Balances ($)
Personal Loans ($)
Medical / Other Bills ($)
#### Long-Term Liabilities
Mortgage Balance ($)
Auto Loan Balance ($)
Student Loan Balance ($)
Other Long-Term Debt ($)
Calculate Net Worth
### Your Net Worth Summary
Category Amount
Liquid Assets
Investment Assets
Personal Property
Total Assets
Short-Term Liabilities
Long-Term Liabilities
Total Liabilities
Net Worth
Debt-to-Asset Ratio: Solvency Ratio:
function netVal(id) { var v = parseFloat(document.getElementById(id).value); return isNaN(v) || v 0 ? (totalLiab / totalAssets * 100) : null;
// --- Solvency Ratio --- // Solvency Ratio = Net Worth / Total Assets * 100 var solvency = totalAssets > 0 ? (netWorth / totalAssets * 100) : null;
// --- Populate outputs --- document.getElementById("net-out-liquid").textContent = netFmt(liquidTotal); document.getElementById("net-out-invest").textContent = netFmt(investTotal); document.getElementById("net-out-prop").textContent = netFmt(propTotal); document.getElementById("net-out-assets").textContent = netFmt(totalAssets); document.getElementById("net-out-short").textContent = netFmt(shortTotal); document.getElementById("net-out-long").textContent = netFmt(longTotal); document.getElementById("net-out-liabilities").textContent = netFmt(totalLiab); document.getElementById("net-out-networth").textContent = netFmt(netWorth);
// Color net worth row var nwRow = document.getElementById("net-out-row"); nwRow.style.background = netWorth >= 0 ? "#e8f5e9" : "#fce4ec"; nwRow.style.color = netWorth >= 0 ? "#2e7d32" : "#c62828";
// Status message var statusBox = document.getElementById("net-out-status-box"); var statusLabel = document.getElementById("net-out-status-label"); var statusMsg = document.getElementById("net-out-status-msg");
if (netWorth > 500000) { statusBox.style.background = "#e8f5e9"; statusLabel.textContent = "✅ Excellent Financial Position"; statusMsg.textContent = "Your net worth is strong. Continue growing investments and maintaining low debt."; } else if (netWorth > 100000) { statusBox.style.background = "#f1f8e9"; statusLabel.textContent = "👍 Good Financial Position"; statusMsg.textContent = "You have a solid net worth. Focus on accelerating asset growth and reducing liabilities."; } else if (netWorth > 0) { statusBox.style.background = "#fff8e1"; statusLabel.textContent = "⚠️ Positive but Growing"; statusMsg.textContent = "Your net worth is positive. Build an emergency fund and reduce high-interest debt."; } else if (netWorth === 0) { statusBox.style.background = "#fff8e1"; statusLabel.textContent = "➡️ Break-Even"; statusMsg.textContent = "Your assets exactly cover your liabilities. Focus on increasing savings and investments."; } else { statusBox.style.background = "#fce4ec"; statusLabel.textContent = "❌ Negative Net Worth"; statusMsg.textContent = "Your liabilities exceed your assets. Prioritize paying down debt and building assets."; }
// Ratios document.getElementById("net-out-dta").textContent = dta !== null ? dta.toFixed(2) + "%" : "N/A (no assets entered)"; document.getElementById("net-out-solvency").textContent = solvency !== null ? solvency.toFixed(2) + "%" : "N/A (no assets entered)";
document.getElementById("net-result").style.display = "block"; }
#### Formulas Used
Net Worth = Total Assets − Total Liabilities
Total Assets = Liquid Assets + Investment Assets + Personal Property
Total Liabilities = Short-Term Liabilities + Long-Term Liabilities
Debt-to-Asset Ratio = (Total Liabilities ÷ Total Assets) × 100
Solvency Ratio = (Net Worth ÷ Total Assets) × 100
#### Assumptions & References
- Reference: Investopedia — Net Worth; CFP Board financial planning standards.
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