Level 1 · Clarity
Net-worth calculator: what is actually yours
Net worth = everything you own minus everything you owe. Enter your items — rough estimates are enough for a first reading.
What you own
Car, valuables — at what you would get today, not what you paid.
What you owe
A negative result is a starting point, not a verdict. The number only means something over time.
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How to go about it
- Collect your assets. Add up what you own: current and savings accounts, your portfolio, property at a realistic market value and other valuables.
- Subtract your debt. Subtract what you owe: the remaining mortgage balance, instalment loans, overdraft and open invoices.
- Read the difference. The difference is your net worth. Repeat the calculation at fixed intervals — the trend says more than any single reading.
Frequently asked questions
Does property belong in net worth?
Yes — at a realistic market value on the asset side, with the remaining mortgage on the liability side. Only the difference is genuinely yours.
What about cars and valuables?
They count as assets, but value them cautiously: at the price you would realistically get selling today, not what you paid.
What if the result is negative?
That is more common than people think — after buying property, or with student loans running. A negative net worth is a starting point, not a verdict. What matters is the direction over time.
Related
Calculating once is good, seeing the trend is better
A net worth without a trend is a number without a direction. sum keeps this calculation running for you: all accounts and portfolios, plus property and valuables as pure value items, and your debt — with history and breakdown at a glance. Today you bring your transactions in via CSV import; the automatic bank connection (PSD2) is in the works.
sum is in early access.
The first step toward your financial goals is the overview — that's exactly what we're building sum for. Secure your access early.