Budgeting & Income

Net Worth Calculator

Net worth is the single most honest number in personal finance: everything you own minus everything you owe. Tally your assets and debts to get yours, plus the debt-to-asset ratio lenders and advisors read as a balance-sheet health check. Track it quarterly — the trend matters more than the level.

Tested against worked examplesHow we verify

Cash & savings

Investments (brokerage)

Retirement accounts

Home value

Vehicles

Other assets

Mortgage balance

Car loans

Student loans

Credit card balances

Other debts

Your net worth

$187,500

Total assets: $473,000
Total liabilities: $285,500
Debt-to-asset ratio: 60.36%

Compare scenariosTry three values of one input

Vary

Net Worth Calculator results for three values of Cash & savings
Cash & savings
Your net worth	$186,000	$187,500+$1,500	$189,000+$3,000
Total assets	$471,500	$473,000+$1,500	$474,500+$3,000
Debt-to-asset ratio	60.55%	60.36%−0.19%	60.17%−0.38%

Every other input stays at the value you set above — currently $15,000 for cash & savings. Differences are measured against the first column.

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How this calculator works

Net worth = sum of assets − sum of liabilities, in exact cents. The debt-to-asset ratio divides total liabilities by total assets. Use current market values (Zillow-style estimates for the home, KBB for cars) and today's balances, not original prices.

What this assumes

Assets at the values you enter. Property and vehicles are estimates until sold, and selling costs are not deducted.
Illiquid assets are counted at full value even though converting them costs time and fees.
Future obligations — tuition, care costs — are not liabilities until incurred and are not included.

What changes this number

Home equity: The largest asset for most households, and the one whose value is an estimate rather than a quote.
Debt: Reduces net worth dollar for dollar, which is why repayment builds wealth exactly as saving does.
The direction of travel: More informative than the level. A negative net worth early in a career says little.

A worked example

Take the young professional, renting scenario. These figures are produced by the calculator above, not written alongside it, so they always match what the tool returns.

What you enter

Cash & savings: $8,000
Investments (brokerage): $12,000
Retirement accounts: $20,000
Home value: $0
Vehicles: $12,000
Mortgage balance: $0
Car loans: $7,000
Student loans: $22,000
Credit card balances: $1,500

What it returns

Your net worth: $26,500
Total assets: $57,000
Total liabilities: $30,500
Debt-to-asset ratio: 53.51%

Try an example

Young professional, renting Homeowner family Pre-retiree

Frequently asked questions

What counts as an asset?

Anything with resale value: cash, investment and retirement accounts, your home at current market value, vehicles at trade-in value, and meaningful valuables. Skip furniture and electronics — their resale value is negligible and inflates the number dishonestly.

What's a good net worth for my age?

Median US household net worth runs from roughly $40k for under-35s to about $410k for 65–74s (Federal Reserve SCF, 2022). A classic benchmark formula: age × pre-tax income ÷ 10. But the honest yardstick is your own number last quarter.

Should my home really count?

Standard net worth includes it (value as asset, mortgage as debt). Many planners also track 'liquid net worth' excluding home equity, since you live in it. Compute both — this calculator gives you the standard one; zero the home and mortgage fields for the liquid view.

How often should I track net worth?

Quarterly is the sweet spot — often enough to catch drift, rare enough to show real movement instead of market noise. Same date each quarter, same valuation rules, one spreadsheet row. The compounding of good decisions becomes visible within a year.