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What is my net worth?

Calculate your total net worth by subtracting liabilities from assets. Understand where you stand financially.

What This Calculator Is

A net worth calculator provides a complete snapshot of your financial position by subtracting all debts from all assets. This single number—your net worth—is the most comprehensive measure of financial health. Tracking it over time shows whether you're building wealth or falling behind, regardless of income fluctuations.

Who This Calculator Is For

Anyone wanting to understand their true financial position, people beginning their financial journey who need a baseline, and wealth builders tracking progress toward goals. It's valuable for couples combining finances, estate planners, and anyone applying for loans where net worth documentation is required.

When to Use This Calculator

Calculate your net worth at least quarterly to track trends, immediately after major financial changes (home purchase, inheritance, debt payoff), when setting financial goals, and when feeling uncertain about your financial progress. Comparing year-over-year net worth is one of the best measures of financial improvement.

Inputs

$25,000.00
$75,000.00
$150,000.00
$20,000.00
$35,000.00

Results

Net Worth

$235,000.00

Total Assets$270,000.00
Total Liabilities$35,000.00
Debt-to-Asset Ratio12.963%

This calculator provides estimates for informational purposes only.

Insights

Your net worth

With $270,000.00 in assets and $35,000.00 in liabilities, your net worth is $235,000.00.

Next step

Great progress! Continue building assets while managing debt responsibly.

How Net Worth Is Calculated

Add up all your assets: savings, investments, real estate equity, vehicles, and other valuables. Then subtract all debts: mortgages, car loans, student loans, credit cards, and other liabilities.

totalAssets = cashSavings + investments + realEstate + otherAssets.
netWorth = totalAssets - totalDebts.
debtToAssetRatio = (totalDebts/totalAssets)*100 if totalAssets>0 else 0.
Where: cashSavings, investments, realEstate, otherAssets, totalDebts.
Assumptions: simple point-in-time snapshot with no growth/time modeling; all inputs default to 0 if missing; no distinction between liquid/illiquid assets.

Key Takeaways

  • •Track net worth monthly or quarterly to see your progress
  • •Focus on growing assets and shrinking liabilities simultaneously
  • •Don't overvalue illiquid assets like homes or collectibles
  • •Include retirement accounts — they're real assets even if not accessible now
  • •A negative net worth isn't shameful — it's a starting point to improve from

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