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Net Worth Calculator

Net worth is everything you own minus everything you owe — the single best snapshot of your financial position. Enter the value of your cash, investments, retirement accounts, property and vehicles, then your mortgage and other debts.

Quick examples
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Brokerage accounts, stocks, funds, crypto.

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What it would sell for today.

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Your numbers stay in your browser. Nothing is uploaded.
Net worth$202,000.00
Total assets
$495,000.00
Total liabilities
$293,000.00
Debt-to-asset ratio
59.19%
Liquid net worth
$12,000.00
Assets vs liabilities
  • Assets
  • Liabilities

Saved setups

Save a set of inputs you reuse — your usual rate, your loan, your room sizes — and load it back in one tap.

    Your recent calculations

    Results you calculate here are kept on this device so you can come back to them.

      Formula

      Net worth = total assets − total liabilities
      Debt-to-asset ratio = total liabilities ÷ total assets × 100
      Liquid net worth = cash + investments − non-mortgage debts

      How to use it

      1. Enter current balances for bank, investment and retirement accounts.
      2. Enter realistic resale values for your home and vehicles, not what you paid.
      3. Enter what you still owe on each type of debt.
      4. Repeat every few months and watch the direction rather than the number itself.

      Worked examples

      A homeowner with $495,000 of assets and $293,000 of debt

      Net worth
      $202,000.00
      Total assets
      $495,000.00
      Total liabilities
      $293,000.00
      Debt-to-asset ratio
      59.19%
      Liquid net worth
      $12,000.00

      A recent graduate whose student loans outweigh their assets

      Net worth
      -$16,500.00
      Total assets
      $23,000.00
      Total liabilities
      $39,500.00
      Debt-to-asset ratio
      171.74%
      Liquid net worth
      -$33,500.00

      Getting an honest figure

      Value assets at what they would sell for today. Leave out furniture, clothes and electronics unless they are truly valuable; they are worth little secondhand. Retirement accounts are counted at face value here even though traditional accounts will be taxed on withdrawal.

      A negative net worth is normal early in adult life, especially with student loans. What matters is that it rises over time, either by saving and investing more or by paying debt down.

      Liquid net worth

      Much of a homeowner’s net worth is tied up in the house and in accounts that are costly to tap before retirement. The liquid figure — cash and investments minus non-mortgage debt — shows what you could actually draw on in the short term.

      Questions people ask

      How do I calculate my net worth?

      Add up what you own and subtract what you owe. $495,000 of assets minus $293,000 of debts is a net worth of $202,000.

      Can net worth be negative?

      Yes. Someone with $23,000 of assets and $39,500 of debt, mostly student loans, has a net worth of −$16,500.

      Does my home count toward net worth?

      Yes — its market value counts as an asset and the mortgage as a liability, so in effect your home equity is what is added.

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