# Net Worth Calculator
Paste your assets and liabilities and calculate net worth with a per-category breakdown, proportional bars, and a debt-to-asset ratio. Runs in your browser.
## Run it
- **CLI:** `gizza tool net-worth-tracker "Item, Amount, Type, Category
Checking, 8000, asset, Cash
Brokerage, 42000, asset, Investments
401(k), 95000, asset, Retirement
Home, 320000, asset, Real Estate
Car, 18000, asset, Vehicles
Mortgage, 240000, liability, Real Estate
Auto Loan, 9000, liability, Vehicles
Credit Card, 3500, liability, Credit Card"`
- **Web:** https://gizza.ai/tools/net-worth-tracker/
- **Agents:** machine-readable descriptor (parameters JSON Schema) at https://gizza.ai/tools/net-worth-tracker/tool.json
## Inputs
- `input` — Assets & liabilities _(field)_
- `sort` — Sort categories _(field)_
- `currency` — Currency prefix _(field)_
## Output
- Net worth breakdown (text)
## Query parameters
Open the tool pre-filled and auto-run via URL:
- `input` — Assets & liabilities
- `sort` — Sort categories
- `currency` — Currency prefix
Example: `https://gizza.ai/tools/net-worth-tracker/?input=Item%2C%20Amount%2C%20Type%2C%20Category%0AChecking%2C%208000%2C%20asset%2C%20Cash%0ABrokerage%2C%2042000%2C%20asset%2C%20Investments%0A401%28k%29%2C%2095000%2C%20asset%2C%20Retirement%0AHome%2C%20320000%2C%20asset%2C%20Real%20Estate%0ACar%2C%2018000%2C%20asset%2C%20Vehicles%0AMortgage%2C%20240000%2C%20liability%2C%20Real%20Estate%0AAuto%20Loan%2C%209000%2C%20liability%2C%20Vehicles%0ACredit%20Card%2C%203500%2C%20liability%2C%20Credit%20Card&sort=value¤cy=%24`
---
## What this tool does
Your net worth is what you own minus what you owe: **total assets − total liabilities**. Paste a list of accounts, property, and debts, and this tool sorts each row onto the asset or liability side, groups the values by category, and returns a plain-text balance sheet — net worth, per-category totals with proportional bars, item counts, and your debt-to-asset ratio.
It measures wealth, not income: a high earner with large debts can have a low or negative net worth, and a modest earner with few debts can have a high one. Everything runs locally in WebAssembly — nothing is uploaded, and there is no account or sign-up.
## Input format
Use CSV or tab-separated rows. A header row is allowed and skipped automatically:
```text
Item, Amount, Type, Category
Checking, 8000, asset, Cash
Brokerage, 42000, asset, Investments
Mortgage, 240000, liability, Real Estate
Credit Card, 3500, liability, Credit Card
```
- **Item** — the account, property, or debt name.
- **Amount** — the value. Accepts plain numbers, currency amounts (`$1,234.50`), thousands separators (tab-separated rows work best for these), accounting negatives (`(500)`), and a quick `shares @ price` form (`10 @ 150` = 1500).
- **Type** — `asset` or `liability` (optional). If you leave it out, a **positive** amount is treated as an asset and a **negative** amount (`-3500` or `(3500)`) as a liability.
- **Category** — the grouping label (optional). Rows with no category fall into `Uncategorized`.
The type and category columns can appear in either order after the amount.
Common asset categories: **Cash, Investments, Retirement, Real Estate, Vehicles, Personal Property**. Common liability categories: **Mortgage, Auto Loan, Student Loan, Credit Card, Other Debt**. You are free to use any labels you like.
## Options
| Option | Choices | What it does |
| --- | --- | --- |
| **Sort categories** | `value` (default), `label` | Orders the category rows within each side largest-first or alphabetically. |
| **Currency prefix** | `$`, `€`, `£`, blank | Prefix shown before amounts in the output. |
## Example
With this input:
```text
Item, Amount, Type, Category
Home, 320000, asset, Real Estate
Brokerage, 80000, asset, Investments
Mortgage, 240000, liability, Real Estate
Credit Card, 4000, liability, Credit Card
```
the output is:
```text
Net worth: $156,000.00 (Assets $400,000.00 − Liabilities $244,000.00)
Assets — $400,000.00 total across 2 items
Real Estate $320,000.00 80.00% ███████████████████····· (1 item)
Investments $80,000.00 20.00% █████··················· (1 item)
Liabilities — $244,000.00 total across 2 items
Real Estate $240,000.00 98.36% ████████████████████████ (1 item)
Credit Card $4,000.00 1.64% ························ (1 item)
Debt-to-asset ratio: 61.00% (you own 39.00% of your assets)
```
## FAQ
How is net worth calculated?
Net worth is total assets minus total liabilities — everything you own minus everything you owe. This tool sums each side from your pasted rows and subtracts liabilities from assets. A negative result means your debts exceed your assets.
What counts as an asset versus a liability?
An asset is something you own that has value: cash, investments, retirement accounts, your home, vehicles, and personal property. A liability is something you owe: a mortgage, auto loan, student loan, or credit-card balance. Mark each row with `asset` or `liability`, or leave the type out and enter liabilities as negative amounts.
What is the debt-to-asset ratio?
It is total liabilities divided by total assets, shown as a percentage. Lower is stronger: a ratio of 60% means your debts equal 60% of your assets and you own the remaining 40% outright. It is a snapshot of financial health, not advice.
Is this financial advice?
No. It only calculates totals and percentages from numbers you provide. It does not fetch live prices, value your home, suggest targets, or recommend any action.
Is my data private?
Yes. The calculation runs entirely in your browser using WebAssembly. Your figures are never uploaded, and there is no account or sign-up.
What are the limits?
The tool accepts up to 5 MB of pasted text and 100,000 entries. It does not track net worth over time, project future values, convert currencies, or connect to financial accounts.
## Related tools
- [Amazon Order Analyzer](https://gizza.ai/tools/amazon-order-analyzer/): Paste an Amazon order-history CSV export to summarize total spend by month, top items, and category breakdowns. Browser-only, private, with Markdown or JSON output.
- [Adjacency Matrix Converter](https://gizza.ai/tools/adjacency-matrix-converter/): Convert a graph between edge list, adjacency matrix, and incidence matrix — directed or undirected, weighted or not. Free, private, runs in your browser.
- [Avro to JSON Converter](https://gizza.ai/tools/avro-to-json/): Decode Apache Avro Object Container Files (.avro / OCF) to JSON, NDJSON, or the embedded schema — no .avsc needed, free and private in your browser.
- [Reconcile bank statement and ledger CSVs](https://gizza.ai/tools/bank-statement-reconcile/): Match bank-statement CSV rows to ledger rows by date, signed amount, and fuzzy memo similarity, with unmatched and suggested matches.
- [Base64 ⇄ Base64url Converter](https://gizza.ai/tools/base64url-converter/): Convert standard Base64 to URL-safe Base64url and back in your browser — swaps +/ for -_, handles = padding, auto-detects direction. Free, private, no sign-up.