Net Worth Calculator
Add up everything you own, subtract everything you owe, and see your net worth instantly. A simple financial health check you can rerun any time.
Assets (what you own)
Liabilities (what you owe)
Your net worth
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Assets you own
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Debts you owe
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Debt-to-asset ratio
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Breakdown by category
Assets
| Category | Value | Share |
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Liabilities
| Category | Balance | Share |
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How to calculate your net worth
Your net worth is simply everything you own minus everything you owe. It is the single best snapshot of your overall financial health and the number to track over time. Reviewing it once or twice a year shows whether your finances are actually moving forward, even when your day-to-day budget feels tight.
Assets — what you own:
- Cash and savings — checking accounts, savings accounts, money market accounts, and certificates of deposit (CDs).
- Investments — taxable brokerage holdings, individual stocks, bonds, ETFs, and mutual funds outside of retirement accounts.
- Retirement accounts — 401(k), 403(b), Traditional and Roth IRAs, SEP IRA, and the cash-out value of any pension.
- Real estate — the current market value of your primary home and any other property. Use a recent appraisal or Zillow estimate.
- Vehicles — the resale value of cars, trucks, motorcycles, and boats. A quick Kelley Blue Book lookup gives a realistic number.
- Other assets — valuable jewelry, collectibles, business ownership stakes, and cryptocurrency holdings.
Liabilities — what you owe:
- Mortgage — the remaining principal balance on any home loan (not the original loan amount).
- Credit cards — total balances you carry from month to month and pay interest on.
- Student loans — combined federal and private student loan balances.
- Auto loans — remaining balance on car and vehicle financing.
- Other debts — personal loans, medical bills, back taxes, family loans, and any other money you owe.
Debt-to-asset ratio tells you what share of your assets is financed by debt. Below 30% is generally considered healthy, 30–50% is moderate, and above 50% suggests your wealth is heavily leveraged.
Estimates only. Use current market values where possible and update at least once a year. This calculator does not store your inputs and is not financial advice.
Net worth is the single most useful number in personal finance: everything you own minus everything you owe. It cuts through the noise of monthly cash flow and tells you whether your financial position is actually improving over time. This calculator gives you that number instantly, along with a debt-to-asset ratio and a full breakdown showing exactly how each category contributes to the total. Run it once now, then revisit it every six to twelve months to see which direction your finances are heading.
The calculator is split into two sides. On the assets side, enter what you own. On the liabilities side, enter what you owe. The result updates as you type.
Cash and savings — the combined balance in your checking accounts, savings accounts, money market accounts, and any certificates of deposit. This is the most liquid part of your net worth.
Investments — taxable brokerage holdings, individual stocks, bonds, ETFs, and mutual funds held outside of retirement accounts. Use the current market value, not what you originally paid.
Retirement accounts — the current balance across all retirement accounts: 401(k), 403(b), Traditional and Roth IRAs, SEP IRA, and the lump-sum value of any pension. Even if the money is locked away for years, it counts as an asset today.
Real estate — the current market value of your home and any other property you own, not the original purchase price. A recent appraisal or an online estimate from a tool like Zillow gives you a workable number.
Vehicles — the current resale value of any cars, trucks, motorcycles, or boats. Kelley Blue Book is the standard reference. Resist the urge to use the purchase price; vehicles depreciate quickly.
Other assets — business ownership equity, valuable jewelry, collectibles, and cryptocurrency. Be honest about liquidity: something is only worth what someone will actually pay for it today.
Mortgage — the remaining principal balance on any home loan, not the original amount borrowed. Check your most recent statement.
Credit cards — only balances you carry from month to month and pay interest on. If you pay in full each cycle, enter zero.
Student loans, auto loans, and other debts — remaining balances on each. Other debts covers personal loans, medical bills, back taxes, and any money owed to family members.
The debt-to-asset ratio the calculator displays — total liabilities divided by total assets — is a useful secondary measure. A ratio below 30% is generally considered healthy; above 50% means a majority of your assets are effectively financed by debt.
The fastest way to grow net worth is to pay down high-interest debt — the Debt Payoff Calculator shows exactly how long each balance will take.
On the asset side, see how your investments could grow over time with the Investment Return Calculator.
Your monthly budget determines how fast net worth grows — run your income and spending through the Budget Calculator to find room to accelerate.
This calculator does not store your inputs. Use current market values where possible and update your figures at least once a year for a meaningful comparison. This is not financial advice.