Calculators
Net Worth Calculator
Calculate personal net worth from assets and liabilities, plus liquid net worth and the debt-to-asset ratio.
- Runs in your browser
- Nothing uploaded
The tool
Enter your numbers below. Results update as you type, and nothing leaves your browser.
Everything you enter stays on your own machine. Nothing is sent to us or to anyone else, which you can confirm in your browser network tab.
What people use it for
- Tracking financial progress
- Preparing for a mortgage or adviser meeting
- Setting financial goals
- Household budgeting
About this tool
What the Net Worth Calculator does
Net worth is everything you own minus everything you owe. Tracking it once a quarter is one of the clearest measures of financial progress, because it captures saving, investment growth and debt repayment in a single number.
It also works as a net worth tracker.
Formula
- Net worth = total assets − total liabilities
- Debt-to-asset ratio = liabilities ÷ assets
Worked example
Using the starting values in the calculator above:
| Input | Value |
|---|---|
| Assets | 5 entries |
| Liabilities | 4 entries |
| Result | Value |
|---|---|
| Net worth | $204,500 |
| Total assets | $488,000 |
| Total liabilities | $283,500 |
| Liquid assets | $55,000 |
| Debt-to-asset ratio | 58.1% |
How to read the result
Value assets at what you could realistically sell them for today, not what you paid.
Compare your net worth every few months with the same method. The trend matters more than any single figure.
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Questions
Questions about this tool
The things clients actually want to know — costs, timelines, ownership and what happens after launch.
Add up the value of everything you own and subtract everything you owe.
Yes, at its current market value, with the mortgage included as a liability.
It is common early in life, especially with student loans. What matters is that it rises over time.
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- 2023