Net Worth Calculator
Calculate your net worth by adding assets and liabilities. Dynamic rows with debt-to-asset ratio.
Assets
Liabilities
How to Use the Net Worth Calculator
Calculate your net worth by listing all your assets and liabilities. Add as many items as you need and see your total financial picture instantly.
- Add your assets — list everything you own with its current value: bank accounts, investments, real estate, vehicles, retirement accounts, etc. Click "+ Add Asset" for more rows.
- Add your liabilities — list everything you owe: mortgage balance, student loans, car loans, credit card debt, etc. Click "+ Add Liability" for more rows.
- Review results — see your total assets, total liabilities and net worth (assets minus liabilities). The debt-to-asset ratio shows what percentage of your assets are offset by debt.
Your net worth is the single most important number in personal finance. Tracking it regularly helps you measure progress toward financial goals.
Frequently Asked Questions
What is net worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). A positive net worth means you own more than you owe. A negative net worth means your debts exceed your assets.
What should I include as assets?
Include all financial and physical assets: checking and savings accounts, investment portfolios, retirement accounts (401k, IRA), real estate (market value), vehicles, valuable personal property and any other assets of significant value.
What should I include as liabilities?
Include all debts and obligations: mortgage balance, student loans, car loans, credit card balances, personal loans, medical debt and any other money you owe.
Is negative net worth bad?
Not necessarily. Many young professionals have negative net worth due to student loans or a new mortgage. What matters is the trajectory — are you paying down debt and building assets over time? Track your net worth quarterly to see progress.
How often should I calculate my net worth?
Most financial advisors recommend calculating net worth quarterly or at least twice a year. This frequency is enough to spot trends without obsessing over short-term market fluctuations.
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