Calculateur de Valeur Nette
Add up what you own and what you owe to see where you actually stand
100 % gratuit. Fonctionne entièrement dans votre navigateur : vos fichiers et données ne quittent jamais votre appareil et rien n'est envoyé à un serveur.
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À propos de cet outil
Net worth is the single number that says where you actually stand: everything you own, minus everything you owe. It is more honest than a salary or a bank balance, because it counts the mortgage against the house and the car loan against the car. This calculator starts you with the categories people routinely forget - pensions, student loans, the balance sitting on a credit card - so the hard part, which is remembering what to include, is already done. It also shows your debt as a percentage of your assets, which is the figure that tells you whether the number is heading in the right direction. Everything is worked out in your browser; no figure you type is ever sent anywhere.
Comment utiliser cet outil
- List what you ownCash, savings, investments, pensions, property and vehicles. Use rough current market values rather than what you paid.
- List what you oweMortgage, car loan, credit cards, student loans, and any money owed to family. Use the outstanding balance, not the original amount.
- Add or remove rowsThe starting categories are only prompts. Add anything missing and delete what does not apply to you.
- Read the net worthAssets minus liabilities. Negative is normal early in life and is shown plainly rather than hidden.
- Check the debt-to-asset ratioLiabilities as a share of assets. Watching this fall over time is usually more useful than the headline number.
Pourquoi l’utiliser
- Starts with the categories people forget, so you are less likely to leave out a pension or a student loan.
- Shows a negative net worth honestly instead of hiding it - being underwater early on is normal and worth seeing.
- Includes a debt-to-asset ratio, which tracks progress better than the headline figure alone.
- Works with any currency symbol, so it is not tied to one country.
- Completely private: the numbers stay in your browser and are never uploaded.
- Free with no sign-up, no trial and no spreadsheet to download.
Usages courants
- Taking a yearly or quarterly snapshot to see whether your position is improving.
- Working out your position before applying for a mortgage or a large loan.
- Checking whether paying down debt or investing spare cash moves the number more.
- Getting a joint picture of a household budget before a big decision.
- Setting a baseline at the start of a debt payoff or savings plan.
Conseils pour de meilleurs résultats
- Use current market values, not purchase prices. What you paid for the car years ago is not what it is worth today.
- Recalculate on the same date each quarter. The trend matters far more than any single reading.
- Include pensions and retirement accounts - for most people in their 30s and 40s they are the largest asset.
- Do not count next month salary. Net worth is what exists today, not what is expected.
Erreurs à éviter
- Counting the house but forgetting the mortgage, which turns a normal position into a fictional one.
- Using the original loan amount instead of the balance still outstanding.
- Leaving out small debts because they feel trivial - several of them together often are not.
- Panicking at a negative result. A recent graduate with a student loan is supposed to be negative.
Questions fréquentes
There is no single right number, because it depends entirely on age, country and cost of living. A more useful test is direction: is it higher than last year, and is debt shrinking as a share of assets? A 25-year-old with student debt and a 55-year-old with a paid-off house are both where they should be.
Yes. It is money you own, even though you cannot access it yet. For many people in mid-career it is the single largest asset, and leaving it out makes the picture far bleaker than reality.
Not in itself. It is the normal state for anyone who recently took on a mortgage or student loan. What matters is whether it is moving upward over time. This calculator shows a negative figure plainly rather than hiding it.
Use a realistic figure you could actually sell for today, not the purchase price and not an optimistic guess. For property, recent sale prices of similar homes nearby are a reasonable guide.
Your total liabilities divided by your total assets, as a percentage. Under about 30% is comfortable, and over 100% means you owe more than you own. Its real value is watching it fall over several years.
No. Everything is calculated in your browser. Nothing you type is sent to a server, stored, or retained once you close the tab - so make your own note of the figure if you want to compare next quarter.
Once a quarter is plenty for most people, and once a year is enough if your finances are stable. Checking more often mainly captures market noise rather than real progress.