Net Worth Calculator

Add up what you own and what you owe to find your net worth and debt-to-asset ratio.

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Checking, savings, money market, CDs.

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Brokerage accounts, stocks, bonds, crypto.

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401(k), IRA, pension cash value.

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Estimated market value.

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Business equity, valuables, money owed to you.

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Personal loans, medical bills, HELOC.

Net worth
$173,000.00

You owe 62.6% of what you own.

Assets vs liabilities
$0$100K$200K$300K$400K$500KAssets — Amount: $463,000AssetsLiabilities — Amount: $290,000LiabilitiesNet worth — Amount: $173,000Net worth
Total assets
$463,000.00
Total liabilities
$290,000.00
Debt-to-asset ratio
62.6%
Liquid net worth
$5,000.00
Breakdown
Cash & savingsCash & savings — Amount: $15,000$15KInvestmentsInvestments — Amount: $20,000$20KRetirement accountsRetirement accounts — Amount: $60,000$60KHome valueHome value — Amount: $350,000$350KVehiclesVehicles — Amount: $18,000$18KMortgage balanceMortgage balance — Amount: $260,000$260KAuto loansAuto loans — Amount: $12,000$12KStudent loansStudent loans — Amount: $15,000$15KCredit card balancesCredit card balances — Amount: $3,000$3,000
Show the working
  1. Net worth = $463,000.00 assets − $290,000.00 liabilities = $173,000.00

Runs entirely in your browser. Nothing you enter is uploaded.

Formula

Net worth = total assets − total liabilitiesDebt-to-asset ratio = total liabilities ÷ total assets

How it works

Net worth is a snapshot of your finances: everything you own minus everything you owe. Income shows how much money flows in, but net worth shows how much you have actually built up, which is why it is the clearest single measure of financial progress.

Value assets at what you could realistically sell them for today, not what you paid. Homes and cars are best estimated from recent sales or online valuations; retirement accounts can be counted at their full balance, though taxes will be due on traditional 401(k) and IRA withdrawals.

The liquid net worth line strips out your home, vehicles and retirement accounts to show what you could access relatively quickly. Recalculating every six or twelve months is more useful than any single number — a rising net worth means you are saving, paying down debt, or your investments are growing.

Frequently asked questions

What is a good net worth for my age?

A rough benchmark is age × gross income ÷ 10. A 40-year-old earning $80,000 would aim for about $320,000. Treat it as a loose guide — starting income, student debt and housing costs vary hugely.

Should I include my home?

Yes, as an asset at market value with the mortgage as a liability — the difference is your home equity. Just remember you need somewhere to live, so home equity is not easy to spend.

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