Net Worth Calculator
Add up your assets and subtract your liabilities to find your net worth, along with liquid and investment assets, your debt-to-asset ratio, and the change since last time. Everything stays in your browser.
Written and reviewed by the CalcBundle editorial team. Transparent formulas · results are estimates, not advice.
Net worth
Enter at least one asset or liability value.
What is net worth?
Net worth is the difference between everything you own and everything you owe. Tracked over time, it is the best single measure of financial progress.
Assets vs liabilities
- Net worth = total assets − total liabilities
- Assets: cash, savings, investments, retirement, property, vehicles, business
- Liabilities: mortgage, credit cards, student, auto, personal and business loans
- Debt-to-asset ratio = total liabilities ÷ total assets × 100
Liquid vs illiquid assets
The calculator separates liquid assets (cash and savings), investment assets (brokerage and retirement) and property. A healthy balance sheet usually keeps enough liquidity for emergencies while building longer-term investment and property wealth.
Tracking net worth
Enter a previous figure to see your change and percentage growth. Grow the investment side with the investment return calculator and compound interest calculator, value property with the real estate ROI calculator, and plan ahead with the retirement calculator.
Example
$500,000 in assets and $200,000 in liabilities gives a net worth of $300,000 and a 40% debt-to-asset ratio.
Frequently asked questions
What is net worth?
Net worth is what you own minus what you owe: total assets minus total liabilities. It is the single clearest snapshot of your overall financial position.
What counts as assets and liabilities?
Assets include cash, savings, investments, retirement accounts, property, vehicles and business ownership. Liabilities include your mortgage, credit-card balances, student, auto, personal and business loans.
What are liquid vs illiquid assets?
Liquid assets — cash and savings — can be spent quickly. Illiquid assets like real estate or a business can be worth a lot but take time to convert to cash. This calculator groups them so you can see the mix.
How should I track net worth over time?
Recalculate on a regular schedule — monthly or quarterly — and enter your previous figure to see the change. A rising trend over time usually matters more than any single snapshot.
Related calculators
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Estimate retirement savings, the corpus needed and any shortfall.
Investment Return
Work out total return, gain and annualized return on an investment.
Real Estate ROI
Combine cash flow, appreciation and sale into total ROI on cash invested.
Compound Interest
Project growth from an initial amount, rate, compounding and regular contributions.
Disclaimer. This calculator provides estimates for informational purposes only. Results are based on the information you enter and the assumptions used by the calculator. Actual financial, tax, business valuation, lending, marketplace or investment outcomes may differ. Consider consulting a qualified professional for decisions involving significant amounts of money. Net worth results are based on the values you enter. Nothing is stored, and this is not financial advice.