Net Worth Calculator
Add your assets and liabilities to calculate your total net worth. Edit or add items directly in the table — results update instantly.
Assets
$545,000
Liabilities
$317,000
Net Worth
$228,000
Total Assets
$545,000
Total Liabilities
$317,000
Debt-to-Asset Ratio
58.2%
High leverage
Asset Breakdown
Liability Breakdown
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How to Use This Calculator
Enter each asset and liability with its name, category, and current value. Click any value to edit it, or use the + buttons to add new rows. The net worth, debt-to-asset ratio, and breakdown charts update instantly as you type. This tool is designed for a quick snapshot — save your inputs by bookmarking the page or noting your figures.
Frequently Asked Questions
What is net worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It is the most comprehensive single measure of your financial health. A positive and growing net worth means you are building wealth.
What should I include as assets?
Include cash, checking and savings accounts, investment accounts (401k, IRA, brokerage), real estate (market value), vehicles, and any other valuable property. Use current market values, not purchase prices.
What should I include as liabilities?
Include all debts: mortgage balance, car loans, student loans, credit card balances, personal loans, and any other money you owe. Use current outstanding balances, not original loan amounts.
What is a good debt-to-asset ratio?
Generally, a debt-to-asset ratio below 50% is considered healthy — meaning less than half your assets are financed by debt. Young adults with mortgages and student loans often have higher ratios, which typically improve with age and asset accumulation.
How often should I calculate my net worth?
Tracking net worth quarterly or annually is common. It provides a more meaningful picture of financial progress than monthly account balances, since it captures all assets and debts in a single number that trends over time.