Net Worth Calculator
Your net worth from total assets minus total liabilities.
Input sheet
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Net worth is the single clearest snapshot of your financial position: everything you own minus everything you owe. Tracking it over time shows whether you're truly building wealth.
How it works
Net worth is everything you own minus everything you owe.
Assets include cash, investments, retirement accounts, home value, and vehicles. Liabilities include mortgages, car loans, student loans, and credit card balances. The difference is your net worth — which can be negative early in life when student loans or a fresh mortgage outweigh savings.
The debt-to-asset ratio shown alongside is a quick health check: it's the share of your assets financed by debt. A lower ratio means more of what you own is genuinely yours, and it tends to fall as you pay down loans and accumulate savings.
Net worth = total assets − total liabilities; Debt-to-asset ratio = liabilities ÷ assets × 100
Worked examples
$250,000 in assets, $180,000 in liabilities → $70,000 net worth, 72% debt-to-asset
$250,000 − $180,000 = $70,000 net worth, with debt funding 72% of the assets — typical for a household early in paying off a mortgage.
$120,000 assets, $150,000 liabilities → −$30,000 net deficit
Owing more than you own gives a negative net worth, common just after taking on student or home loans.
Tips & gotchas
- Track net worth quarterly or yearly, not daily — the trend over time matters far more than any single reading.
- Use realistic market values for assets: a home's current estimate, up-to-date account balances, and a used-car value, not what you paid.
- A negative net worth isn't failure — it's normal early on. The goal is a rising trend as you pay down debt and build savings.
- Don't double-count: list a home's full value as an asset and its mortgage as a liability, rather than entering only the equity.
FAQ
Should I include my home and car?
Yes — list their current market value as assets and the remaining loan balances as liabilities. The net of the two is your equity in each, captured automatically.
What's a good net worth for my age?
There's no universal target, but the more useful measure is direction: a net worth that climbs year over year shows your finances are improving, regardless of the absolute number.
What does the debt-to-asset ratio tell me?
It's the percentage of your assets funded by debt. Lower is healthier — it means more of what you own is genuinely yours and you have more cushion against financial shocks.
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