Net Worth Calculator
Calculate your net worth in seconds — enter what you own and what you owe to see your complete financial picture.
Net worth = everything you own (assets) minus everything you owe (liabilities). It's the single best snapshot of financial health. Calculate yours now — the number matters less than the trend over time.
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Net Worth Calculator
Assets − Liabilities = Net Worth
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Assets — what you own
Cash & savings
$
$
$
Investments
$
$
$
Real estate & property
$
$
Personal property
$
$
Total Assets—
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Liabilities — what you owe
Mortgages
$
$
Vehicle loans
$
Consumer debt
$
$
Student loans
$
Other liabilities
$
$
Total Liabilities—
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Your net worth
Total Assets
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Total Liabilities
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Net Worth
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Debt-to-asset ratio
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How it's calculated
Net worth: the fundamental financial metric
Net Worth = Total Assets − Total Liabilities
Debt-to-Asset Ratio = Total Liabilities ÷ Total Assets
(lower is better; under 50% is generally healthy)
- Liquid assets
- Cash and assets convertible to cash quickly without significant loss: checking, savings, publicly traded stocks.
- Illiquid assets
- Assets that take time or cost money to convert: real estate, retirement accounts (penalties for early withdrawal), business ownership.
- Debt-to-asset ratio
- What percentage of your assets is funded by debt. Under 50% is generally healthy; above 80% indicates financial vulnerability.
Disclaimer: net worth is a point-in-time estimate. Asset values fluctuate. Personal property values are estimates — consult a professional for formal valuation.
Frequently asked questions
What is net worth?
Net worth = Total Assets − Total Liabilities. Everything you own (cash, investments, home, cars) minus everything you owe (mortgages, loans, credit card balances). It's the fundamental measure of financial health — more meaningful than income alone.
What is a good net worth for my age?
A common benchmark: Annual income × (Age ÷ 10). Example: $80k income at age 40 → target $320k net worth. Millionaire Next Door authors call people above this "prodigious accumulators of wealth." But trends matter more than a single snapshot.
Should I include home equity?
Yes — include home market value as an asset and mortgage balance as a liability. The difference is your home equity. However, home equity is illiquid — note your liquid net worth (cash + investments − debts) separately for financial planning purposes.
What if my net worth is negative?
Common early in adult life — especially with student loans or a new mortgage. What matters is the direction: is it improving? Focus on: (1) increasing income, (2) reducing high-interest debt aggressively, (3) building savings. Track monthly and celebrate the trend turning positive.