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Net Worth Calculator

Calculate your net worth by adding up all your assets and subtracting your liabilities. Track your financial health with a clear breakdown.

Assets (What You Own)

Liabilities (What You Owe)

Net Worth Summary

$168,000
Your Net Worth
Total Assets$488,000
Total Liabilities$320,000
Debt-to-Asset Ratio65.6%
AssetsLiabilities

How to Use This Tool

  1. List every asset you own with its current value — cash, retirement accounts, investments, home value, and vehicles.
  2. Use "+ Add Asset" to add rows for any assets not already listed.
  3. List every liability (debt) you owe — mortgage, student loans, car loans, and credit card debt.
  4. Use "+ Add Liability" to add rows for any debts not already listed.
  5. Read your Net Worth at the top of the summary — it updates automatically as you edit values.
  6. Check the Debt-to-Asset Ratio and the visual bar to see how leveraged your finances currently are.

Formula & How It Works

Net Worth

Net Worth = Total Assets − Total Liabilities

The core measure of financial health — everything you own minus everything you owe.

Total Assets / Total Liabilities

Total Assets = Sum of all asset values; Total Liabilities = Sum of all liability values

Each side of the ledger is summed independently from the rows you enter before being combined into net worth.

Debt-to-Asset Ratio

Debt-to-Asset Ratio = (Total Liabilities ÷ Total Assets) × 100

Shows what percentage of your assets are offset by debt — a lower ratio indicates less leverage and stronger financial footing.

Practical Examples & Common Use Cases

Example 1: Homeowner with retirement savings

Assets: $15,000 cash + $85,000 retirement + $20,000 investments + $350,000 home + $18,000 vehicle = $488,000 total. Liabilities: $280,000 mortgage + $25,000 student loans + $12,000 car loan + $3,000 credit card = $320,000 total. Net Worth = $488,000 − $320,000 = $168,000.

Example 2: Early-career renter with debt

Assets: $5,000 cash + $8,000 retirement = $13,000 total. Liabilities: $32,000 student loans + $4,000 credit card = $36,000 total. Net Worth = $13,000 − $36,000 = -$23,000, a negative net worth common for young adults still paying down student debt.

Example 3: Tracking progress over a year

Starting net worth of $50,000 grows to $68,000 a year later after paying down $10,000 of mortgage principal and adding $8,000 to a retirement account — a $18,000 (36%) increase in net worth.

Frequently Asked Questions

Net worth varies greatly by age and income. A common benchmark: by age 30, aim for 1x your annual salary saved; by 40, 3x; by 50, 6x; by 60, 8x; and by retirement, 10-12x your annual salary.

Yes, your home is an asset (at current market value), and your mortgage is a liability. Including both gives a complete picture. Some people also track "liquid net worth" which excludes home equity.

Negative net worth is common for young adults with student loans or a new mortgage. The key is whether the trend is improving. As you pay off debt and grow savings, your net worth should steadily increase.

Monthly or quarterly tracking is ideal. This lets you see progress, catch problems early, and stay motivated. Many people update their net worth on the first of each month.

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