Net Worth Calculator
Add up your assets, subtract your liabilities, and see your true net worth at a glance.
Assets
Total $505,000Bank balances and emergency fund
Brokerage, mutual funds, crypto (use today's market value — this snapshot will change)
401(k), IRA, pension cash value
Current market value — not the mortgage
Current market value of cars, motorcycles, boats — loan goes under liabilities
Business equity, jewelry, collectibles
Liabilities
Total $246,500What you still owe on the home
Medical, tax, family loans
Used to compare against the US median for your bracket
Net Worth
$258,500.00
$505,000 in assets minus $246,500 in liabilities.
Total Assets
$505,000
What you own
Total Liabilities
$246,500
What you owe
Debt-to-Asset Ratio
48.8%
Liabilities ÷ assets
Debt-to-asset 48.8%. Moderate — most planners flag 30–50% as a level worth managing down with high-interest debt first.
Asset composition
Where your wealth sits, by category.
Liability composition
Where your debt sits, by category.
Asset breakdown
Liability breakdown
Net worth is a snapshot — recalculate every few months and use the 📋 Copy summary button to save a dated text snapshot for next quarter. To compare your debt against your income (the figure lenders use), see the Debt-to-Income Calculator.
How to use this calculator
- Fill in your assets — cash, investments, retirement, home and property, vehicles, and anything else of meaningful value. Use today’s market value, not the original purchase price.
- Fill in your liabilities — current balances on your mortgage, loans, credit cards, student loans, and any other debts.
- Add your age (optional) — when provided, the calculator compares your net worth against the US median for your age bracket, drawn from the Federal Reserve Survey of Consumer Finances.
- Read the result — net worth is assets minus liabilities. Two donut charts show the composition of your assets and liabilities; the bar breakdowns underneath give the exact dollar amounts.
- Save a snapshot — the 📋 Copy summary button copies a dated text summary of your net worth, totals, and debt-to-asset ratio. Paste it into a note or spreadsheet so you can compare next quarter.
Leave any category at zero if it doesn’t apply.
How it works
The math is the simplest in personal finance:
Net Worth = Total Assets − Total Liabilities
But the value is in the breakdown. The asset and liability bars show what’s actually driving your number — for many people, home equity dominates the asset side while a mortgage dominates the liability side, so the rest of the picture (cash, investments, consumer debt) is where most short-term improvement happens.
The debt-to-asset ratio adds a second dimension. Two people can both have a $200,000 net worth but very different risk: one with $250,000 in assets and $50,000 in debts is in a stronger position than one with $1,000,000 in assets and $800,000 in debts.
For a different angle — how your monthly debt payments compare to your monthly income — use the Debt-to-Income Calculator.
Frequently Asked Questions
What is net worth? ▾
Net worth is everything you own (assets) minus everything you owe (liabilities). It is the single number that summarizes your financial position — bigger and more meaningful than income, because it reflects the cumulative result of every financial decision you've made.
What counts as an asset? ▾
Anything you own that has a cash value: bank balances and cash, brokerage and crypto investments, retirement accounts (401(k), IRA), the current market value of your home and other property, vehicles, and personal items with meaningful resale value such as jewelry, collectibles, or business equity. Value each at what you could realistically sell it for today, not what you paid.
What counts as a liability? ▾
Everything you currently owe: the remaining balance on your mortgage, auto loans, personal loans, credit-card balances, student loans, and any other debts (medical bills, unpaid taxes, family loans). Use balances, not monthly payments.
Should I include my home in net worth? ▾
Yes. Include the home's current market value on the asset side and the remaining mortgage balance on the liability side. The difference is your home equity — a real part of your net worth, even though it isn't liquid.
What is the debt-to-asset ratio? ▾
It's your total liabilities divided by your total assets, expressed as a percentage. A ratio under 30% is generally healthy, 30–50% is moderate, and above 50% means a large share of what you 'own' is actually financed. It is a useful complement to net worth itself, since two people with the same net worth can have very different risk profiles.
Can net worth be negative? ▾
Yes — and it's common, especially early in adult life when student loans or a new mortgage exceed your accumulated savings. A negative net worth is a starting line, not a verdict. Track it every few months; the trend matters far more than any single snapshot.
How often should I recalculate? ▾
Once a quarter is plenty for most people. Recalculating monthly tends to make you over-react to market noise; once a year misses inflection points. Quarterly catches real changes — bonuses, debt payoffs, market swings — without becoming a chore. Use the 📋 Copy summary button to save a dated text snapshot you can paste into a note or spreadsheet.
How does my net worth compare to others my age? ▾
Enter your age (optional field) and the calculator shows the US median net worth for your age bracket, drawn from the Federal Reserve Survey of Consumer Finances. The brackets are Under 35, 35–44, 45–54, 55–64, 65–74, and 75+. Medians are used rather than means because the distribution is heavily skewed by ultra-wealthy households — the median is a much better picture of a 'typical' family. Treat this as a rough orientation, not a verdict: home prices, costs of living, and career timing vary enormously by region and field.