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Net Worth Calculator

Total your assets and liabilities to see your true financial picture. Data stays in your browser only.

Your Net Worth

$242,500

Assets $497,000 − Liabilities $254,500

Total Assets

$497,000

Total Liabilities

$254,500

Debt-to-Asset Ratio

51.2%

Assets

$497,000
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$
$
$
$

Liabilities

$254,500
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$
$
$

Asset Breakdown

Liability Breakdown

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100% Private: Your financial data is never sent to any server. All calculations happen locally in your browser. No account required.

Frequently Asked Questions

What is net worth?

Net worth = Total Assets − Total Liabilities. It is the single most comprehensive measure of your financial health, representing what you'd own free and clear if you sold everything and paid off all debts.

What is a good net worth?

A commonly cited target is a net worth equal to your age × annual salary / 10. However, net worth varies widely by age, location, and life stage. Tracking growth over time matters more than any single benchmark.

Should I include my home as an asset?

Yes — your home equity (current market value minus your mortgage balance) is a major asset for most homeowners. Enter the home value as an asset and the outstanding mortgage as a liability.

Is this data saved anywhere?

No. All calculations are done in your browser. We never collect, store, or transmit your financial data. Refresh the page and data will reset (use our free Excel template for saved tracking).

What is debt-to-asset ratio?

Debt-to-asset ratio (liabilities ÷ assets) shows what percentage of your assets are financed by debt. Below 50% is generally healthy; above 80% may indicate financial stress.

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What Net Worth Tells You

Net worth is everything you own minus everything you owe. It is the single best snapshot of your overall financial position, because it captures savings, investments, property and debt in one number. Income shows how much money flows in; net worth shows how much of it you have actually kept.

Net worth = Total assets − Total liabilities

What to Include

Assets are things with a cash value you could realistically sell or withdraw:

  • Cash: checking, savings, money market accounts
  • Investments: brokerage accounts, retirement accounts such as a 401(k) or IRA
  • Property: the current market value of your home and any other real estate
  • Vehicles and other valuables at what they would sell for today, not what you paid

Liabilities

Liabilities are every debt you still owe:

  • Mortgage balance (the remaining principal, not the original loan)
  • Car loans and personal loans
  • Credit card balances
  • Student loans and any money owed to family or friends

Worked Example

The sample figures in the calculator describe a household with a $350,000 home, $85,000 in a 401(k), $15,000 in savings, $25,000 in a brokerage account and $22,000 in vehicles — $497,000 in assets. Against that they owe $220,000 on the mortgage, $12,000 on a car loan, $4,500 on credit cards and $18,000 in student loans — $254,500 in liabilities. Their net worth is $497,000 − $254,500 = $242,500.

How to Use Your Number

  • Track it every three to six months. The trend matters far more than any single reading.
  • A negative net worth is common early in a career, especially with student loans. The goal is to move it upward over time.
  • Growing net worth comes from two levers: increasing assets (saving and investing) and reducing liabilities (paying down debt, especially high-interest debt).
  • Be conservative with home and car values. Overestimating them makes your finances look healthier than they are.

Your Data Stays Private

All calculations run inside your browser. Nothing you type is sent to a server or stored in an account, so you can enter real figures safely.

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