Calculator
Net Worth Calculator
A one-page snapshot of your true financial position — everything you own minus everything you owe.
1. Your inputs
Assets
Liabilities
Results update instantly. Everything runs in your browser.
2. Your results
Your net worth
$281,500
Debt-to-asset ratio: 47%
Total assets
$533,000
Total liabilities
$251,500
Home equity
$110,000
Liquid savings
$100,000
Retirement
$60,000
Debt ratio
47.2%
Assets vs liabilities
Composition
$533,000
Assets
- Total assets100%
$533,000
- Total liabilities47%
$251,500
What does this mean?
Get an AI explanation of your results in plain English.
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In plain English
You currently own $533,000 in assets and owe $251,500 in liabilities.
That leaves a net worth of $281,500 — the single number that matters most for tracking financial progress.
Watch the direction more than the number. Consistent quarterly gains are what compound into serious wealth.
Assumptions used
The math relies on these assumptions. Real-world numbers can vary.
- Values are entered in current market or resale value.
- Retirement accounts are counted at pre-tax balance.
- Home equity = home value − mortgage balance.
- No adjustment for future taxes on withdrawals.
- Vehicle value is resale, not sticker.
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Frequently asked
What counts as an asset?
Anything you own that has monetary value — cash, checking/savings accounts, investment accounts, retirement accounts, real estate at current market value, vehicles at their resale value, and any valuable personal property.
What counts as a liability?
Every debt you owe — mortgage balance, auto loans, student loans, credit card debt, personal loans, business loans, and any other outstanding obligations.
Should I include my home?
Yes — include the current market value on the asset side and the outstanding mortgage on the liability side. The difference is your home equity.
How often should I recalculate?
Once a quarter is plenty for most people. Recalculating monthly can be noisy; annually is the minimum for tracking real progress.
Is negative net worth bad?
Not necessarily — new grads with student debt often start negative. What matters is the trend line, not the absolute number.
About the Net Worth Calculator
Net worth is the honest scoreboard of personal finance — it collapses every account, every debt, and every asset into a single number that shows exactly where you stand.
The number itself matters far less than the trend. A net worth going up 5% every quarter is a healthier signal than a big number sitting flat.
Recalculate quarterly and log the result. You'll build the most useful long-term chart of your financial life.
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These calculators are for education only and are not a substitute for personalized advice from a licensed professional. Read our full disclaimer.