For households in the United States
What is your net worth today?
List what you own and what you owe. The calculator subtracts one from the other and shows the result by category, using only the figures you type in.
Calculate for free- No account
- No bank login
- No sales calls
Cindrus is a calculation tool, not a financial advisor. We give no personal advice and sell no financial products.
The result is a calculation on your figures. It is not a guaranteed saving or an offer.
Everything you entered as assets minus everything you entered as debts.
Your debts are larger than your assets. That is a net worth below zero, not an error.
All fields start empty. Only what you enter is counted.
The value you entered for your home minus the mortgage and any home equity loan or line.
Counted at the balance you entered, before any income tax or early withdrawal tax.
Basis: Only the amounts you typed in. No market data, prices or averages are used. Values you can actually get for your assets, and the amounts needed to pay off your debts, may differ.
This calculation is not a loan offer or a personal recommendation about your finances.
For illustrative purposes only. Not a loan offer or commitment to lend. Cindrus is not a lender, mortgage broker or loan originator, we pass no information to lenders, and no lender pays us.
- Each value is the amount you entered, in dollars, on the same day.
- No income tax, early withdrawal tax or selling costs are subtracted.
- A debt balance is not the same as a payoff amount, which can include interest up to the payoff day.
- Empty fields count as zero in the totals and show as not entered.
Your next step.
Take the result with you.
Free. No account.
- Write down the figures you used: you find them under «Understand the number».
- Ask what it costs in total, not only what the payment will be.
- Ask whether the rate is fixed and what can change it.
- Ask for the offer in writing, so you can compare it calmly.
- Ask what is not included in the figure.
Ready to talk to the bank?
Your figures and the right questions, on one page.
- Costs and rate
- Fees and remaining balance
- The assumptions behind the figure
Follow your loan.
Your loan and your calculations, in one place.
- Your calculations saved in one place
- Your financial overview
The account is free.
The calculator is free without an account. Not personal advice.
Your bank conversation
Ask the bank about these six things.
Based on your calculation. Not personal advice.
Three steps to a household balance sheet
Gather your balances
Recent statements for bank, brokerage and retirement accounts, plus the payoff figures for your loans. Nothing is uploaded.
Type them in by category
Assets on one side, debts on the other. Leave a field empty if it does not apply to you.
Read the breakdown
Net worth, home equity and the split by type, each with the figures it is built from.
How the Federal Reserve counts it
The Federal Reserve Board's Survey of Consumer Finances describes net worth as the difference between families' assets and liabilities. The survey is normally run every three years, and the 2025 survey is the most recent one.
Financial assets
In the survey these include transaction accounts, certificates of deposit, savings bonds, other bonds, stocks, pooled investment funds, retirement accounts, cash value life insurance and other managed assets.
Retirement accounts
The survey counts individual retirement accounts and employer-sponsored accounts such as 401(k), 403(b) and thrift savings accounts as assets.
The calculator here
It follows the same idea with your own categories. It does not compare you with other households.
What goes into a net worth calculation?
Net worth is a snapshot. On one side are things with a dollar value you could, in principle, turn into money: cash, investments, retirement balances, your home and your car. On the other side is everything you owe on them and beyond them.
The home is usually the largest entry for owners, and the mortgage the largest debt. That is why the calculator shows home equity on its own line: the value you entered for the home minus the loans secured by it.
Are retirement balances counted before tax?
Yes. The calculator uses the balance you type in. Money in a traditional 401(k) or IRA has usually not been taxed yet, and the IRS charges an additional 10% early withdrawal tax on most withdrawals before age 59½ unless an exception applies. The calculator does not subtract any tax.
Other words for the same thing
Net worth calculator · personal balance sheet · household wealth · assets minus liabilities. They all describe the same subtraction.
A number you can trace back to your own entries
Your figures stay yours
The calculator runs in your browser and needs no account, no bank connection and no phone number.
No products to place
We do not sell loans, insurance or investments, and nobody pays us to show them to you.
Every line explained
Each result shows what it adds or subtracts. Where we do not know something, the page says so.
How is net worth calculated?
Add up the value of everything you own, add up everything you owe, and subtract the second total from the first. The calculator does exactly that with your entries.
Does my home count toward net worth?
In the calculator it does when you enter a value for it. Home equity also gets its own line, so the share held in the house is visible too.
Which value do I enter for my home or car?
A value you can explain, such as a recent appraisal or what similar homes sold for. The calculator does not look up any value for you.
Can net worth be negative?
Yes. When debts are larger than assets, the result is below zero. That is common with large student loans or a new mortgage, and the calculator shows it as it is.
Do you compare me with other Americans?
No. The calculator shows only your own figures. It has no averages or medians built in.
Do I need an account?
No. The calculator is free and works without one. A free Cindrus account lets you keep your assets and debts in an overview.
Is this financial advice?
No. Cindrus gives information and calculations, not advice, and does not sell or arrange loans or investments.
The calculator costs nothing.
A free Cindrus account keeps your assets, debts and net worth in one overview. The pricing page lists every plan and marks the features that work only in Denmark today.
See plans and pricing →Add up what you own and what you owe.
The calculator is free. To keep the figures in one place, you can create a free account; signing up asks for no card.