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Open Calculator →Net Worth Calculator
Calculate your total assets, total liabilities, and estimated net worth.
Organize your finances by entering the value of your cash, investments, property, vehicles, loans, credit cards, and other assets and debts.
Calculate Your Net Worth
Enter the current estimated value of your assets and outstanding liabilities.
Assets
Assets are things you own that have financial value.
Liabilities
Liabilities are debts and financial obligations you currently owe.
Net Worth Estimate
Net Worth Summary
Total Assets
$0.00
Total Liabilities
$0.00
Net Worth
$0.00
Debt-to-Asset Ratio
0.00%
Net Worth: $0.00
Total Assets: $0.00
Total Liabilities: $0.00
Debt-to-Asset Ratio: 0.00%
Asset Breakdown
Your assets represent the current estimated value of the things you own that have financial value.
| Asset Category | Estimated Value | % of Total Assets |
|---|---|---|
| Cash & Bank Accounts | $0.00 | 0.00% |
| Investments | $0.00 | 0.00% |
| Retirement Accounts | $0.00 | 0.00% |
| Real Estate | $0.00 | 0.00% |
| Vehicles | $0.00 | 0.00% |
| Business Interests | $0.00 | 0.00% |
| Personal Valuables | $0.00 | 0.00% |
| Other Assets | $0.00 | 0.00% |
| Total Assets | $0.00 | 100.00% |
Liability Breakdown
Liabilities represent debts and other financial obligations that you currently owe.
| Liability Category | Outstanding Balance | % of Total Liabilities |
|---|---|---|
| Mortgage Balance | $0.00 | 0.00% |
| Credit Card Debt | $0.00 | 0.00% |
| Student Loans | $0.00 | 0.00% |
| Auto Loans | $0.00 | 0.00% |
| Personal Loans | $0.00 | 0.00% |
| Other Debts | $0.00 | 0.00% |
| Total Liabilities | $0.00 | 100.00% |
What Is Net Worth?
Net worth is the value of everything you own after subtracting the debts and other financial obligations you owe.
Net Worth = Total Assets − Total Liabilities
A positive net worth means your assets are worth more than your liabilities. A negative net worth means your liabilities are greater than your assets.
Tracking your net worth over time can help you understand your overall financial position and see how your assets and debts change.
What Counts as an Asset?
An asset is something you own that has financial value. When calculating net worth, use a reasonable estimate of the asset's current value rather than its original purchase price.
Cash & Bank Accounts
Include checking accounts, savings accounts, money market accounts, and cash you currently have available.
Investments
Include stocks, bonds, mutual funds, ETFs, brokerage accounts, and other investments.
Retirement Accounts
Include the current value of retirement accounts such as 401(k)s, IRAs, and other retirement investments.
Real Estate
Include the estimated current market value of your home, rental properties, land, and other real estate you own.
Vehicles
Include the estimated current value of cars, motorcycles, boats, recreational vehicles, and other vehicles you own.
Business Interests
If you own part or all of a business, you can include a reasonable estimate of the value of your ownership interest.
Personal Valuables
This can include valuable jewelry, collectibles, artwork, or other significant personal property.
Other Assets
Use this category for other assets with meaningful financial value that do not fit into the categories above.
What Counts as a Liability?
A liability is money you owe to another person, lender, financial institution, or other creditor. For net worth purposes, enter the current outstanding balance rather than the original amount borrowed.
Mortgage Balance
Enter the remaining principal balance on your mortgage or other loans secured by real estate.
Credit Card Debt
Enter the current outstanding balances on your credit cards and other revolving credit accounts.
Student Loans
Enter the remaining balance on federal or private student loans.
Auto Loans
Enter the remaining balance on vehicle loans.
Personal Loans
Include outstanding balances on personal loans or other unsecured borrowing.
Other Debts
Use this category for other significant debts and financial obligations that are not included above.
Positive vs. Negative Net Worth
Positive Net Worth
If your total assets are greater than your total liabilities, your net worth is positive.
Assets > Liabilities = Positive Net Worth
Negative Net Worth
If your total liabilities are greater than your total assets, your net worth is negative.
Liabilities > Assets = Negative Net Worth
A negative net worth does not necessarily mean that your financial situation cannot improve. Paying down debt and increasing assets can change your net worth over time.
Debt-to-Asset Ratio
The debt-to-asset ratio compares your total liabilities with the total value of your assets.
Debt-to-Asset Ratio = Total Liabilities ÷ Total Assets × 100
A lower ratio generally means that a smaller portion of your assets is offset by debt, while a higher ratio means that liabilities represent a larger portion of your assets.
The debt-to-asset ratio is provided as an informational measure and should not be used by itself to evaluate your overall financial health.
Ways to Build Net Worth
Net worth can change as the value of your assets and liabilities changes.
- Build and maintain emergency savings.
- Pay down high-interest debt.
- Make regular contributions to appropriate investment and retirement accounts.
- Avoid taking on unnecessary debt.
- Review your assets and liabilities regularly.
- Track your net worth over time rather than focusing only on a single calculation.
Your personal financial goals, risk tolerance, income, expenses, and circumstances should be considered when making financial decisions.
Frequently Asked Questions
What is net worth?
Net worth is the value of everything you own minus the debts and financial obligations you owe.
Net Worth = Total Assets − Total Liabilities
What should I include in my net worth?
Include assets such as cash, investments, retirement accounts, real estate, vehicles, business interests, and valuable personal property. Then subtract outstanding debts such as mortgages, credit cards, student loans, auto loans, and personal loans.
Should I use the original purchase price of my home?
No. For a net worth estimate, use a reasonable estimate of the property's current market value and enter the remaining mortgage balance separately as a liability.
Should I include my retirement accounts?
Yes. You can include the current value of retirement accounts such as 401(k)s, IRAs, and other retirement investments as assets.
Should I include my car as an asset?
Yes. Enter a reasonable estimate of your vehicle's current value under Vehicles. If you still owe money on an auto loan, enter the outstanding loan balance separately under Auto Loans.
Should I include credit card debt?
Yes. Enter the current outstanding balance of your credit cards under Credit Card Debt.
Can net worth be negative?
Yes. Your net worth can be negative when your total liabilities are greater than the total value of your assets.
How often should I calculate my net worth?
You can calculate your net worth periodically, such as monthly, quarterly, or annually, to track changes in your financial position.
What is the debt-to-asset ratio?
The debt-to-asset ratio compares your total liabilities with your total assets.
Debt-to-Asset Ratio = Total Liabilities ÷ Total Assets × 100
Does this calculator provide financial advice?
No. The calculator provides a mathematical estimate of your net worth based on the information you enter. It is not a substitute for professional financial advice.
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Open Calculator →Net Worth Calculator Disclaimer
This calculator provides an estimated net worth based on the asset values and liabilities entered by the user.
Asset values, particularly real estate, vehicles, businesses, investments, and personal property, may change over time and may differ from their actual market value.
The results are provided for informational and educational purposes only and do not constitute financial, investment, tax, or legal advice.
Consider your complete financial situation and consult a qualified professional when appropriate.