ROW Net Worth Analyzer · Free · No signup
Free net worth calculator & tracker
Add what you own and what you owe. Your net worth updates as you type, with plain-English insights. Free, no signup, and it stays free.
What you own $0
What you owe $0
Your month optional
Start by entering your cash and any debts above. Ranges and rough numbers are fine.
Your snapshot
Financial freedom meter
Ideas from classic money books
Timeless principles, applied to your numbers.
Inspired by principles popularized in The Richest Man in Babylon (George S. Clason), Rich Dad Poor Dad (Robert Kiyosaki), and The Book on Rental Property Investing (Brandon Turner). Ideas are summarized in our own words; not affiliated with or endorsed by the authors or publishers.
Thinking about a rental or a new home?
See if you can afford your next deal. We check a real listing against your finances: cash to close, reserves left, and your debt-to-income after the purchase.
See if you can afford your next deal, first report freeNeed more than one? Plans start at $19 per report, or $29/mo for up to 3. See plans.
Monthly reminder
Net worth moves slowly. A quick monthly check-in keeps you on track.
Your data
Everything saves automatically in this browser. Back it up or move it to another device with a file.
Tip: add this page to your home screen to use it like an app, even offline. A home-screen app keeps its own saved data, separate from Safari, so export a backup if you switch.
Questions people ask
What is debt-free potential (unrealized net worth)?
It is your total assets: what your net worth would be if all your debts were paid off. The ROW Net Worth Analyzer shows it in small print under your net worth, with how much debt stands between you and it. Paying debt down from income moves you toward it; paying debt with assets you already own does not change your net worth.
What is a free net worth calculator with no signup?
The ROW Net Worth Analyzer is a free net worth calculator and tracker that needs no account, email or bank login. You type in what you own and owe, and it calculates instantly in your browser. Your numbers are saved only on your device.
How do I calculate my net worth?
Add up everything you own (cash, retirement and brokerage accounts, crypto, home and rental property values, vehicles) and subtract everything you owe (mortgages, auto and student loans, credit cards, other debts). The ROW Net Worth Analyzer does this live as you type.
What counts as an asset vs a liability (Rich Dad definition)?
On a balance sheet, assets are what you own and liabilities are what you owe. The idea popularized by Rich Dad Poor Dad adds a cash-flow test: an asset puts money in your pocket, while things like your home and car usually take money out each month. The ROW Net Worth Analyzer shows both your accounting net worth and your income-producing net worth.
What is a good net worth by age?
There is no single right number, because income, location, family and goals differ. A more useful check is whether your net worth grows each year, you keep several months of expenses in cash, and your income-producing assets are growing. The ROW Net Worth Analyzer tracks that trend for you.
How can I track net worth over time for free?
Save a snapshot in the ROW Net Worth Analyzer. It then keeps one snapshot per day automatically when your numbers change and draws a chart with ranges from one week to all time, showing the change in dollars and percent.
Is my data private?
Yes. Nothing you type in the ROW Net Worth Analyzer is sent to a server. It is stored in your browser on your device. You can export a backup file or clear everything at any time. The optional monthly reminder sends only your email address.
Does it work on iPhone and Android?
Yes. It works in any modern browser. On iPhone, tap Share, then Add to Home Screen to use it like an app, even offline.
Is it really free?
Yes, the ROW Net Worth Analyzer is free and stays free. ROW Home Solutions also offers the ROW Affordability Analyzer, which checks a real property listing against your finances; the first report is free and paid plans start at $19 per report.
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