Net Worth Calculator
This calculator adds up your assets, subtracts your liabilities and shows the difference: your net worth. It also shows your debt-to-asset ratio, so you can see how much of what you own is matched by debt.
How to use it
Net worth is one number that sums up everything you own minus everything you owe. It isn't a score. It's a snapshot that's most useful when you compare it with your own past snapshots.
1. List your assets
Add a row for each thing you own that has a money value:
- Cash: checking, savings, cash on hand.
- Investments and retirement accounts, at their current balance.
- Property: your home or land, at an estimate of what it would sell for today.
- Vehicles and other valuable items, at what they'd sell for, not what you paid.
Use + Add an asset for more rows and × to remove one.
2. List your liabilities
Add a row for each debt, at the amount you still owe today:
- Mortgage and home equity loans
- Auto loans
- Student loans
- Credit card balances
- Personal loans, medical bills or money owed to family
Type debts as positive numbers. The calculator subtracts them for you. Use + Add a liability for more rows.
3. Read the results
- Total assets: everything in the assets list added up.
- Total liabilities: everything in the liabilities list added up.
- Net worth: total assets − total liabilities. It can be negative, for example early in a career with student loans, and that's simply where the math lands today.
- Debt-to-asset ratio: total liabilities ÷ total assets, as a percent. A lower ratio means less of what you own is matched by debt.
Tips for consistent numbers
- Use the same date for everything. Pull balances on one day so the snapshot lines up.
- List a home or car at its value and its loan separately. Put the estimated value under assets and the loan balance under liabilities. If you enter equity (value minus loan) as the asset instead, leave the loan out, or the debt gets subtracted twice.
- Be consistent about estimates. Home and car values are guesses. Using the same source each time makes changes from one snapshot to the next more meaningful.
- Retirement accounts: the calculator uses whatever balance you type. It doesn't subtract taxes or penalties that might apply when money is taken out.
Keep in mind
This page shows one moment in time. It doesn't save your entries or track changes, so to compare over time, write down your totals or use a tracker. Values like home prices and investment balances move, and the result is only as accurate as the numbers you enter.
Worked example
These are the numbers loaded by Try an example:
- Assets: checking $2,400, savings $8,500, retirement accounts $42,000, car $9,000, home at market value $310,000
- Liabilities: credit cards $1,800, auto loan $6,500, student loan $14,000, mortgage $220,000
Results:
- Total assets: $371,900.00
- Total liabilities: $242,300.00
- Net worth: $371,900 − $242,300 = $129,600.00
- Debt-to-asset ratio: $242,300 ÷ $371,900 = 65.2%
Most of this household's assets and debts sit in the home and its mortgage. Without them, assets would be $61,900 and debts $22,300.
FAQ
Do I include my home?
You can include it either way, as long as you're consistent. If you include the home's value as an asset, include the mortgage as a liability.
Can net worth be negative?
Yes. When debts are larger than assets, net worth is below zero. The calculator shows it as a negative amount.
What does the debt-to-asset ratio show?
What share of your total assets is matched by debt. At 65.2% in the example, debts equal about two-thirds of everything owned.