A homeowner
5,000 in savings, 20,000 invested and a 300,000 home, against a 220,000 mortgage and 2,000 on cards: assets are 325,000, debts 222,000 and net worth 103,000.
Net Worth Calculator
Add up your assets and debts to see your net worth and debt-to-asset ratio — privately in your browser.
Result
Enter your values and select Calculate to see the result.
Runs in your browser — nothing you enter is sent to a server.
How the Net Worth Calculator works
Net worth is everything you own minus everything you owe. Enter what your savings, investments, retirement accounts, home and vehicles are worth today, and the balances of your mortgage, loans and cards. Leave anything that doesn't apply empty. Nothing you enter leaves your browser.
Formulas
Net worth
net worth = total assets − total debts
Debt-to-asset ratio
ratio = total debts ÷ total assets × 100%
The share of what you own that is financed by debt.
Examples
A recent graduate
With no assets and 30,000 of student loans, net worth is −30,000 — a common starting point.
Frequently asked questions
Should I include my car?
Yes, at what it would sell for today, not what you paid. Cars lose value, so update the figure when you recalculate.
How often should I check my net worth?
Every few months or once a year is enough. The trend matters more than any single number.
Is a negative net worth bad?
It's common early in life, especially with student loans or a new mortgage. Paying down debt and saving turns it around.
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