Net worth calculator
Enter everything you own (total assets) and everything you owe (total liabilities). The calculator shows your net worth, your debt-to-asset ratio, and a split bar as you type.
Use it to find your net worth — total assets minus total liabilities — plus how much of your assets is offset by debt.
Net worth
$350,000.00
- Total assets
- $500,000.00
- Total liabilities
- $150,000.00
- Debt-to-asset ratio
- 30%
The result updates as you type. The bar splits your total assets into the part offset by liabilities and the net worth you keep.
How does it work?
Net worth is negative when you owe more than you own. The debt-to-asset ratio is liabilities ÷ assets; it is 0% when you have no assets.
Net worth formula
- N
- Net worth.
- A
- Total assets (everything you own).
- L
- Total liabilities (everything you owe).
Assets of 500,000 and liabilities of 150,000 give a net worth of 350,000, a debt-to-asset ratio of 30%.
Method & sources
Net worth is total assets minus total liabilities at a single point in time. You supply both figures yourself; the calculator does not value your assets or look up balances. Assets include everything you own (cash, investments, property, vehicles); liabilities include everything you owe (loans, mortgages, credit cards).
Sources
Where this method comes from — use these references to understand the formula, assumptions, and limits.
- Net worth and personal balance sheet — U.S. Securities and Exchange Commission (Investor.gov), verified 2026-06-10
How we calculate
- Net worth is total assets minus total liabilities at a single point in time.
- You supply both figures yourself; the calculator does not value your assets or look up balances.
- Assets include everything you own (cash, investments, property, vehicles); liabilities include everything you owe (loans, mortgages, credit cards).
- The currency shown follows the site language; the math is the same in every market.
- Use consistent, current values for a meaningful snapshot; net worth changes as those values change.
Rounding
Net worth and totals are rounded to two decimals for display, and the debt-to-asset ratio to one. The calculation uses full precision.
What this calculator does
Net worth is the single clearest measure of your financial position: everything you own minus everything you owe. This calculator takes your total assets and total liabilities and returns your net worth, along with a debt-to-asset ratio that shows how much of your assets is funded by debt.
How to use it
- Add up everything you own — cash, savings, investments, property, vehicles — and enter it as total assets.
- Add up everything you owe — mortgages, loans, credit-card balances — and enter it as total liabilities.
- Read your net worth, debt-to-asset ratio, and the split bar below.
A worked example
With 500,000 in assets and 150,000 in liabilities, your net worth is 350,000 and your debt-to-asset ratio is 30%. The bar shows 70% as net worth and 30% offset by debt.
What counts as an asset or a liability
Assets are things of value you own: bank balances, investments and pensions, your home and other property, and vehicles. Liabilities are what you owe: a mortgage, car or personal loans, student debt, and outstanding credit-card balances. Use current values for the most accurate snapshot.
Common mistakes
- Counting gross asset values but forgetting the debt secured against them — enter both so the net worth is right.
- Including monthly income as an asset. Net worth is a stock of value, not a flow; income is not an asset on its own.
- Leaving out smaller debts. Add credit-card and other balances to total liabilities.
When it's useful
Tracking progress over time, planning for a goal, or simply getting a clear picture of where you stand today. Recalculate every few months to see the trend.
FAQ
- How is net worth calculated?
- Net worth is total assets minus total liabilities. If you own more than you owe it is positive; if you owe more than you own it is negative.
- What is the debt-to-asset ratio?
- It is your total liabilities divided by your total assets, shown as a percentage. A lower ratio means a smaller share of your assets is funded by debt.
- Can net worth be negative?
- Yes. When your liabilities are larger than your assets, your net worth is negative. That is common early in life or after taking on a large loan.
- Should I use the market value or the purchase price of assets?
- Use the current market value — what you could realistically sell each asset for today — for the most meaningful snapshot.
- Which currency does it use?
- The currency follows the site language. The calculation is identical in every market.
- Can I share a calculation?
- Yes. Use Share to copy a link that reopens the calculator with the same assets and liabilities.
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- Budget calculatorPut your income and expenses into a monthly budget.
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- Retirement calculatorEstimate whether your pension savings are on track.
- Emergency fund calculatorWork out how big your emergency fund should be.
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