Net Worth Calculator
Assets
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$
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Liabilities
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Net Worth$211,000.00
Total Assets$495,000.00
Total Liabilities$284,000.00
Debt-to-Asset Ratio57.37%
The Net Worth Calculator gives you a single snapshot of your financial health by totaling everything you own and subtracting everything you owe. Fill in asset categories such as cash, investments, retirement accounts, and property, then debts such as mortgages, auto and student loans, and credit cards. It returns your net worth plus a debt-to-asset ratio that shows how leveraged you are.
Formula
netWorth = totalAssets − totalLiabilities; debtToAsset = totalLiabilities / totalAssets
- totalAssets
- Sum of all asset values
- totalLiabilities
- Sum of all debt balances
- netWorth
- Assets minus liabilities (can be negative)
How it works
- Enter the current value of each asset category: cash and savings, investments, retirement accounts, home and property, vehicles, and anything else of value.
- Enter the outstanding balance of each liability: mortgage, auto loans, student loans, credit cards, and other debts.
- The calculator sums the assets and the liabilities, subtracts liabilities from assets to get net worth, and divides liabilities by assets to express your debt-to-asset ratio as a percentage.
Worked example
Assets of $495,000 (cash, investments, retirement, a $350k home, vehicles) against $284,000 of debt (mortgage, auto, student loans, credit cards).
- Total assets = 25,000 + 40,000 + 60,000 + 350,000 + 20,000 = $495,000.
- Total liabilities = 250,000 + 12,000 + 18,000 + 4,000 = $284,000.
- Net worth = 495,000 − 284,000 = $211,000.
- Debt-to-asset ratio = 284,000 ÷ 495,000 = 57.37%.
Net worth of $211,000 with a 57.37% debt-to-asset ratio.
Frequently asked questions
- What counts as an asset versus a liability?
- Assets are things you own that have value — cash, investments, retirement balances, real estate, and vehicles. Liabilities are amounts you owe, such as mortgage balances, loans, and credit card debt. Net worth is simply assets minus liabilities.
- Can my net worth be negative?
- Yes. If your debts exceed the value of what you own — common early in a mortgage or with large student loans — your net worth is negative. Tracking it over time matters more than the single number.
- Should I use the market value or purchase price of my home?
- Use current market value, not what you paid. Net worth is meant to reflect what you could realize today, so estimate assets at their present resale value and liabilities at their outstanding balance.
- What is a good debt-to-asset ratio?
- Lower is generally safer. A ratio under about 50% means you own more than you owe; ratios near or above 100% mean liabilities equal or exceed assets. The right level depends on your age, income stability, and whether the debt funds appreciating assets.