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 by the CalcBundle Research & Editorial Team · Reviewed by the Quality Review Team · Transparent formulas · results are estimates, not advice. · Updated
Net worth
Enter at least one asset or liability value.
What a net worth calculator does
A net worth calculator gives you the single clearest snapshot of your financial position: what you own minus what you owe. Individual accounts, debts and assets each tell you a fragment of the story, but net worth pulls them into one number that captures the whole. This calculator adds up your assets, subtracts your liabilities, and then goes further — separating liquid from illiquid wealth, computing your debt-to-asset ratio, and comparing against a previous figure so you can see not just where you stand but which way you are moving. Everything stays in your browser; nothing is stored or sent anywhere.
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
Why the composition matters as much as the total
Two people can share an identical net worth and be in completely different situations. One might hold most of their wealth in accessible cash and investments; the other might have it all locked in a house with little in the bank. That is why this calculator separates liquid assets (cash and savings), investment assets (brokerage and retirement accounts) and property. A resilient balance sheet usually keeps enough liquidity to weather emergencies while still building longer-term investment and property wealth — the total alone can hide a dangerous lack of accessible cash.
The debt-to-asset ratio
Dividing total liabilities by total assets gives your debt-to-asset ratio, a quick read on how leveraged you are. A lower ratio means more of what you own is truly yours and less is owed to lenders; a high ratio means a larger share of your assets is financed by debt, which magnifies both gains and risks. Watching this ratio fall over time is often a better sign of financial health than the headline net worth rising, because net worth can climb on borrowed money while the ratio quietly deteriorates.
Worked example
Suppose you total $500,000 in assets — a home, retirement accounts, some cash — and $200,000 in liabilities, mostly a mortgage. Your net worth is $500,000 − $200,000 = $300,000, and your debt-to-asset ratio is $200,000 ÷ $500,000 = 40%. Record that figure, then recalculate next quarter: if net worth has risen and the ratio has fallen, you are making genuine progress on both fronts.
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Grow the investment side of your balance sheet with the investment return calculator and compound interest calculator, value property holdings with the real estate ROI calculator, and turn your current position into a long-term plan with the retirement calculator.
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.
Can net worth be negative, and is that bad?
Yes, it can be negative when your debts exceed your assets, and it is very common — new graduates with student loans and recent buyers with large mortgages often have negative net worth. What matters is the direction of travel. A negative figure that is steadily climbing toward zero and beyond reflects real progress, while a positive figure that is shrinking is a warning. Treat the trend, not the sign, as the headline.
Should I include my home in net worth?
Include your home's market value as an asset and the outstanding mortgage as a liability — the difference is your home equity, a genuine part of your wealth. Just remember it is illiquid: you cannot spend home equity without selling or borrowing against the property. That is why this calculator also breaks out liquid and investment assets, so a balance sheet that looks strong on paper but has little accessible cash is easy to spot.
How much should I have in liquid assets?
A widely used guideline is an emergency fund of three to six months of essential expenses held in cash or savings, more if your income is variable. Liquidity is what lets you handle a job loss or a large unexpected bill without selling investments at a bad time or taking on high-interest debt. The right amount is personal, but seeing your liquid total separately from your illiquid wealth is the first step to judging it.
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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.