Net Worth Calculator
Add up what you own and subtract what you owe — your net worth, debt-to-asset ratio, and financial health at a glance.
Everyday Uses
Your financial snapshot
One number that sums your whole balance sheet — the starting point of every financial plan.
Annual progress tracking
Recalculate every January — net worth trend is the truest measure that your money habits work.
Big life decisions
Marriage, home purchase, career change — know your combined or current position before deciding.
Loan application prep
Lenders ask for assets and liabilities — arrive with the full picture already organized.
Frequently Asked Questions
What counts as an asset?
Anything of meaningful value you own: cash and bank balances, investment and retirement accounts, your home's market value, vehicles, and significant valuables or business equity. Use realistic current market values — what things would sell for today, not what you paid for them.
Is a negative net worth bad?
It is common and usually temporary early in adult life — student loans and a new mortgage easily outweigh young savings. What matters is the trajectory: recalculate every 6–12 months and watch the trend. Consistent movement in the right direction beats any single number.
Should I include my home and mortgage?
Yes — include the home's market value as an asset and the remaining mortgage balance as a liability. The difference is your home equity, often a household's largest wealth component. Some people also track a "liquid net worth" excluding the home, since you cannot easily spend it.
What is a good debt-to-asset ratio?
Below 50% is generally comfortable; homeowners with a recent mortgage often sit at 60–80%, which is normal and improves as the loan amortizes. Above 80% means most of what you own is offset by debt — worth attention if it is consumer debt rather than a mortgage on an appreciating asset.