Net Worth Calculator
Add up your assets and liabilities to calculate your total net worth.
Net Worth Calculator
Enter current asset values and debt balances to create a financial snapshot.
Assets
Assets are what you own. Use realistic current values, not original purchase prices.
Liabilities
Liabilities are what you owe. Credit card balances and loans reduce net worth.
Estimated net worth
Based on the assets and liabilities entered. Net worth is a snapshot and can change over time.
Total assets
Everything entered as owned value.
Total liabilities
Everything entered as debt or owed balance.
Liquid assets
Cash, bank, and investment-like entries.
Home equity
Home/property value minus mortgage balance.
Debt-to-asset ratio
Total liabilities ÷ total assets.
Asset coverage
Assets compared with liabilities.
Wealth snapshot
Net worth shows assets minus liabilities at one point in time.
Track over time
Repeating the calculation may help track progress as balances change.
No judgment
Net worth depends on age, location, income, household size, and goals.
Dynamic Net Worth Insights
What Net Worth Means
Assets minus liabilities
Net worth equals everything you own minus everything you owe.
Financial snapshot
It shows your financial position at one point in time.
Can be negative
Negative net worth means debts exceed assets, without judgment.
Changes over time
Savings, investments, property values, and debts can all change net worth.
Assets vs Liabilities
Assets
Cash, savings, investments, retirement accounts, home value, vehicles, business value, and meaningful personal property.
Liabilities
Mortgage, credit card debt, student loans, auto loans, personal loans, medical debt, tax debt, and other obligations.
Liquid Net Worth vs Total Net Worth
Total net worth
Includes all assets, including less liquid assets such as home equity, vehicles, and retirement accounts.
Liquid net worth
Focuses on assets that may be accessed or sold more quickly, such as cash and taxable investments.
Home equity
Home equity can increase total net worth but is not always immediately accessible.
Retirement accounts
Retirement accounts may have restrictions, penalties, or tax consequences.
How Net Worth Changes Over Time
Net worth may increase when
Savings grow, investments appreciate, debts are paid down, home equity increases, or income exceeds spending.
Net worth may decrease when
Debt increases, assets fall in value, expenses exceed income, or large purchases depreciate.
Ways to Improve Net Worth
Net Worth Formula
Net Worth = Total Assets − Total Liabilities
Total Assets = Cash + Investments + Property + Vehicles + Other Assets
Total Liabilities = Mortgage + Loans + Credit Card Debt + Other Debts
Home Equity = Home Value − Mortgage Balance
Debt-to-Asset Ratio = Total Liabilities ÷ Total Assets × 100