Free Net Worth Calculator & Personal Financial Statement
Generate Bank-Ready PFS Documents in Seconds - No Sign Up Required
+ Assets
− Liabilities
Your Net Worth
$0
Choose Your Package
🔒 100% Secure - All data stored locally in your browser only
Basic Package
Quick export of current data
Professional Package
Complete bank-ready PFS
Complete bank-ready PFS form
🔒 Your Security Guaranteed: No account required • Data never leaves your device • Delete anytime
Free Options
Your data is saved locally in your browser. We never store or access your financial information.
How to Create Your Personal Financial Statement
Enter Your Assets
Add up all your assets including cash, savings, investments, retirement accounts, real estate, and vehicles.
Enter Your Liabilities
List all your debts including mortgage, auto loans, student loans, credit cards, and personal loans.
Get Your PFS & Net Worth
Your Personal Financial Statement is automatically generated. Download bank-ready PDFs or export to Excel anytime.
Why Choose Our Net Worth Calculator?
Auto-Save Feature
Your data automatically saves to your browser. Come back anytime and your numbers are still there.
PDF Reports
Download professional PDF statements of your net worth with our watermark for your records.
100% Private
Your financial data never leaves your browser. We don't collect or store any of your information.
Real-Time Updates
See your net worth update instantly as you enter or modify your financial information.
Export Options
Export your data as CSV for spreadsheets or print directly from your browser.
Forever Free
No hidden fees, no premium version, no credit card required. Completely free to use.
Frequently Asked Questions
What is a net worth calculator?
A net worth calculator is a free tool that helps you determine your financial position by subtracting your total liabilities (debts) from your total assets. It gives you a clear picture of your overall financial health.
How do I calculate my net worth?
To calculate net worth: 1) Add up all your assets (cash, investments, property, vehicles), 2) Add up all your liabilities (mortgage, loans, credit cards), 3) Subtract liabilities from assets. The result is your net worth.
What should I include in assets?
Include: checking and savings accounts, investment accounts, retirement accounts (401k, IRA), real estate value, vehicle values, valuable collectibles, and business equity.
What should I include in liabilities?
Include: mortgage balance, auto loans, student loans, credit card balances, personal loans, home equity loans, and any other debts you owe.
Is this net worth calculator really free?
Yes, our net worth calculator is 100% free to use. No hidden fees, no premium version, no registration required. All features including PDF export and auto-save are completely free.
Is my financial data safe?
Yes, your data is completely safe. All information is stored locally in your browser only. We never collect, store, or have access to your financial data. You can clear it anytime.
How often should I calculate my net worth?
We recommend calculating your net worth monthly or quarterly to track your financial progress. With our auto-save feature, you can easily update your numbers regularly.
What is a good net worth by age?
Net worth varies greatly by age, location, and circumstances. A general rule of thumb is: (Your Age - 25) × (Annual Income ÷ 5) = Target Net Worth. However, focus on consistent improvement rather than comparisons.
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