Financial Calculators
Net Worth Calculator
Add your assets and liabilities to calculate net worth. The summary also separates liquid assets, investments, secured debt and unsecured debt.
Calculate your net worth
Net Worth Calculator
Create a private snapshot of listed assets and liabilities, including liquid assets and debt-to-asset ratio.
Planning results
How this calculator works
Net worth = assets − liabilities. Debt-to-asset ratio = liabilities ÷ assets; it is unavailable when assets are zero. Liquid assets include cash, checking, savings, and emergency funds. Investments and retirement accounts are grouped separately. Mortgage and auto loans are classified as secured; other listed debt defaults to unsecured for this planning snapshot. Custom liabilities let you explicitly classify collateral. Enter each balance once; avoid double-counting emergency funds included in savings. Values are estimates, with no account syncing or saved history.
Results are estimates for planning purposes only and do not constitute financial, investment, tax, lending, or legal advice.
Your calculation is processed in your browser and is not stored by this tool.
Values are calculated locally in your browser. The tool does not connect to financial accounts, value property or provide financial advice.
How to use the net worth calculator
- 1
Enter cash, bank balances and other liquid assets.
- 2
Add investments, retirement accounts, property, vehicles and business interests.
- 3
Enter mortgages, vehicle loans and other secured debts.
- 4
Add credit cards, student loans, personal loans and other unsecured liabilities.
- 5
Review total assets, total liabilities, net worth and debt-to-asset ratio.
How net worth is calculated
The formula is simple: net worth = total assets − total liabilities. Assets are things with measurable financial value that you own. Liabilities are balances you owe. A positive result means entered assets exceed entered debts; a negative result means debts exceed assets.
The debt-to-asset ratio divides total liabilities by total assets. It can help track leverage over time, but it does not measure monthly affordability, credit quality or whether an asset can be sold quickly.
Net worth example
Suppose cash and investments total $90,000, a home is valued at $350,000 and a vehicle at $20,000. Total assets are $460,000. With a $280,000 mortgage, $12,000 vehicle loan and $8,000 in other debt, total liabilities are $300,000. Estimated net worth is $160,000, and liabilities equal about 65.2% of assets.
Choosing useful asset values
Use a reasonable current value rather than an original purchase price. For property, vehicles, collectibles and business interests, valuation can be uncertain and selling costs may reduce what you actually receive. Avoid counting future salary or expected inheritances as current assets. Use one date and one currency across the whole snapshot.
What net worth does not show
Net worth is a balance-sheet view, not a full measure of financial health. A household can have high net worth but limited cash available for monthly bills. Another may have a lower result while earning stable income and building savings. Review cash flow, emergency reserves, insurance and long-term goals separately.
Important limitations
- Manual values: the calculator does not verify accounts, debts or market prices.
- Liquidity: a property or retirement account is not the same as available cash.
- Taxes and costs: possible tax, penalties and selling expenses are not deducted automatically.
- Joint ownership: include only the share that belongs in the household or personal view you are calculating.
- Snapshot only: the result changes whenever asset prices, savings or debt balances change.
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Net Worth Calculator FAQ
What is the formula for net worth?
Add all entered assets and subtract all entered liabilities.
Should I include my home?
You may include a reasonable current value and list the outstanding mortgage separately as a liability.
Is retirement savings part of net worth?
It is commonly included as an asset, but access rules, taxes and penalties can affect its usable value.
What does negative net worth mean?
The liabilities entered are greater than the assets entered on that date.
Does net worth include income?
Future income is not an asset in this snapshot; cash already received can be included where it is held.
Does the tool connect to financial accounts?
No. It calculates only the values you enter locally in your browser.
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