Net Worth Calculator | Assets Minus Liabilities
Calculate net worth by subtracting total liabilities from total assets, then see debt ratio and equity ratio.
Net Worth Summary
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Calculate Net Worth from Assets and Debts
Enter total assets and total liabilities to calculate net worth, debt ratio, and equity ratio for a quick personal finance snapshot.
Include the Right Categories
Assets may include cash, investments, property, vehicles, and business value. Liabilities may include loans, cards, mortgages, taxes owed, and unpaid balances.
About This Tool
Net Worth Calculator totals your assets and liabilities to produce a single net worth figure. Tracking net worth over time is the most comprehensive measure of financial progress and overall financial health.
When to Use It
Use this when creating a financial snapshot to review progress toward long-term goals, when preparing for a loan application that asks for your net worth, or when starting a financial plan.
How to Use
- Enter your assets: savings, investments, property, vehicles, and valuables.
- Enter your liabilities: mortgages, loans, credit card balances, and other debts.
- Click Calculate to see your net worth.
- Update the figures periodically to track your financial progress.
Frequently Asked Questions
What counts as an asset?
Assets include cash and savings, investment accounts, retirement funds, property value, vehicle value, and the value of business interests.
What counts as a liability?
Liabilities include mortgage balance outstanding, car loans, student loans, credit card balances, personal loans, and any other money owed.
What is a good net worth for my age?
A common benchmark is to have saved one times your annual salary by age 30, three times by 40, and six times by 50. These are guidelines, not rules.