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- Adds up your assets: cash, investments, retirement accounts, home and vehicles.
- Subtracts your debts: mortgage, car loans, student loans and credit cards.
- Shows your net worth, home equity and liquid assets.
- Gives your debt-to-asset ratio.
How to use the net worth calculator
Enter your assets
Use current values, such as today’s home value and account balances.
Enter your debts
Use the balance you still owe, not the monthly payment.
Read your net worth
See the total, the breakdown and key ratios.
What is net worth?
Net worth is everything you own minus everything you owe. It is the single best number for tracking your overall financial progress over time, because it includes both saving and paying down debt.
Net worth formulas
Net worth = total assets − total liabilities
Home equity = home value − mortgage balance
Debt-to-asset ratio = total liabilities ÷ total assets
Example
A homeowner with savings and some debt.
- Total assets $475,000
- Total liabilities $285,000
- Net worth $190,000
- Home equity $100,000
- Debt-to-asset ratio 60%
Why track your net worth
Measure progress
See if you are moving forward each year.
Spot problems early
Rising debt shows up quickly.
Plan big goals
Know your starting point for retirement or a home.
Stay motivated
Paying off debt raises net worth too.
Build a safety net with the emergency fund calculator, check your debt load with the DTI calculator, or plan growth with the investment calculator.
Net worth calculator FAQ
How do you calculate net worth?
Add up the value of everything you own and subtract everything you owe.
Should I include my home?
Yes, at its current market value, and include the mortgage as a debt. The calculator also shows net worth without home equity.
Can net worth be negative?
Yes. Many people start out negative because of student loans. It improves as debts fall and savings grow.
Should I include my car?
Yes, at what you could sell it for today, since cars lose value.
How often should I check my net worth?
Once or twice a year is enough to see the trend.
What is a good debt-to-asset ratio?
Lower is better. Below 50% is generally considered healthy.