Net Worth Calculator
List what you own and what you owe to find your net worth, your debt-to-asset ratio and how your assets are split. Add, rename and remove rows; everything stays in your browser.
How to Use
- Pick the preset closest to you, or start from the blank rows.
- Under What You Own, enter each account or item at what it is worth today: savings, investments, retirement accounts, your home and vehicles at what they would sell for.
- Under What You Owe, enter the balance still owed on each debt, not the monthly payment.
- Choose a type for each row so the chart can group them, and add or remove rows as needed.
- Read your net worth, totals and debt-to-asset ratio, then check home equity and liquid assets in Show Work.
Private by design: your numbers stay in this page in your browser. Nothing is sent, saved or stored, so reloading the page clears them.
Worked Example
A young family. They own $12,000 in checking and savings, $45,000 in a 401(k), $8,000 in a brokerage account, a home worth $380,000 and a car worth $18,000: $463,000 of assets. They owe $290,000 on the mortgage, $12,000 on the car, $22,000 of student loans and $3,500 on a credit card: $327,500. Net worth is $463,000 − $327,500 = $135,500, and the debt-to-asset ratio is $327,500 ÷ $463,000 = 70.7%.
Looking inside the total. The home is worth $380,000 but $290,000 of it is borrowed, so home equity is $90,000; without the home, net worth is $45,500. Only $20,000 is liquid, the cash and the brokerage account, which matters more in an emergency than the headline figure.
The common mistake: counting things at what you paid. If the car that cost $32,000 two years ago goes in at $32,000 instead of the $18,000 it would sell for, net worth looks like $149,500, $14,000 too high. Cars, furniture and electronics lose value; enter what someone would pay you today, and the balance still owed on every debt, not the monthly payment.
Show Work
Formulas
A Balance Sheet for a Household
Net worth is the bottom line of a balance sheet: what you own on one side, what you owe on the other, and the difference, called equity in a business. The method behind it, double-entry bookkeeping, was first set out in print by the Franciscan friar and mathematician Luca Pacioli in his Summa de arithmetica, geometria, proportioni et proportionalita, published in Venice in 1494. Every transaction is recorded twice, which is why moving money from savings to pay off a card changes both sides but not the total.
Households are measured the same way. The Federal Reserve’s Survey of Consumer Finances, normally run every three years, collects US families’ balance sheets along with their pensions, income and demographics, and is the main source for figures on American household net worth.
A single snapshot says less than the trend. Working out your net worth once a year, with the same rules for valuing your home and car, shows whether saving and paying down debt are moving you in the right direction.
About This Tool
This calculator adds up two lists you can edit, what you own and what you owe, and shows your net worth, both totals and the debt-to-asset ratio. Give each row a type and the chart groups them, showing how your assets and debts are made up and the gap between them; Show Work adds home equity, net worth without the home and liquid assets. Add up to 30 rows on each side.
Everything stays in your browser: nothing you enter is sent anywhere or saved, and reloading the page clears it, so note your totals if you want to compare next year. Estimates for planning and education — not financial, tax or legal advice.
Related tools: Debt-to-Income Ratio Calculator, Budget Calculator, and Emergency Fund Calculator.
Frequently Asked Questions
How do I calculate my net worth?
Add up everything you own at today’s value, add up everything you owe, and subtract. A family with $12,000 in the bank, $53,000 in a 401(k) and brokerage account, a $380,000 home and an $18,000 car owns $463,000. With a $290,000 mortgage, a $12,000 car loan, $22,000 of student loans and $3,500 on a credit card, it owes $327,500, so its net worth is $135,500.
Is a negative net worth bad?
It is common early in adult life, especially with student loans, and it says where you are starting from rather than where you will end up. A graduate with $14,500 of savings, retirement money and a car but $47,700 of student, car and card debt has a net worth of −$33,200 and a debt-to-asset ratio of 329.0%. Every payment that reduces a debt and every dollar saved moves it towards zero.
What does the debt-to-asset ratio tell me?
The share of what you own that is paid for with borrowed money: total debts ÷ total assets. The family above is at 70.7%, mostly because its home is new and the mortgage large. A renter with $220,000 of savings and investments and a $6,000 car loan is at 2.7%; a couple near retirement with $60,000 left on the mortgage is at 3.9%. Over 100% means you owe more than you own.
Does paying off a debt raise my net worth?
Not on the day you pay it, if the money comes from savings: one asset and one debt fall by the same amount. Paying the family’s $3,500 card from its $12,000 savings leaves net worth at $135,500 while the ratio dips from 70.7% to 70.5%. Net worth grows when you pay debts or save out of income, when investments grow, or when debts stop charging interest that eats into your savings.
Should I include my home, car and retirement accounts?
Yes, at realistic values: what the home and car would sell for today, not what you paid, and the current balance of retirement accounts, remembering that withdrawals may be taxed. Show Work also gives net worth without the home, because you cannot spend the house while living in it: the family’s $90,000 of home equity leaves $45,500 without it.
How do I use the Net Worth Calculator?
Just type your numbers. The answer shows up right away — there is no button to press. Change anything and it updates by itself.
Do I need to install or sign up for anything?
Not at all — it runs in the browser with nothing to install and no account. After it loads once, it even works without an internet connection.
Is my information private?
Yes. Everything happens in your browser. Nothing you type is sent to a server or saved anywhere.
Common Use Cases
A yearly check-up
A young family with $463,000 of assets and $327,500 of debts has a $135,500 net worth; repeating it each year shows the trend.
Starting out
A recent graduate owing $47,700 against $14,500 of assets starts at −$33,200, with a 329.0% debt-to-asset ratio.
Seeing where the wealth is
Near retirement, $1,535,000 of assets is $830,000 in retirement accounts and $520,000 in the home; net worth without the home is $1,015,000.
Liquid money
A renter worth $214,000 has $85,000 in cash and taxable investments, money that can be reached without selling a home or tapping retirement accounts.
Before a loan application
Lenders look at assets and debts; knowing a 70.7% debt-to-asset ratio and $90,000 of home equity helps you prepare.
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