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Net Worth Calculator

List what you own and what you owe. The calculator totals both sides and shows your net worth, your liquid net worth and how much of your assets are financed by debt.

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Net worth

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Total assets
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Total liabilities
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Liquid net worth
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Debt-to-asset ratio
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Tips for using the net worth calculator

  • Recalculate on the same date each quarter or year; the trend matters more than the number.
  • Negative net worth is common early in a career with student loans; focus on the direction of change.
  • Paying down debt and saving both raise net worth by the same amount per dollar.

How the net worth calculator works

Net worth is a snapshot of your finances: everything you own at today's market value minus everything you owe.

Net worth = Total assets − Total liabilities
Liquid net worth = Cash + taxable investments − credit card debt
Debt-to-asset ratio = Liabilities ÷ Assets

Use realistic values. A home is worth what it would sell for, not what you paid, and a car is worth its private-party value. Retirement accounts are counted at full balance, though taxes will apply to traditional accounts when you withdraw. Liquid net worth leaves out your home, vehicles and retirement accounts so you can see what you could reach quickly in an emergency. A debt-to-asset ratio under 50% generally means you own more of your assets than the lenders do.

Worked example

With $15,000 cash, $25,000 in a brokerage account, $60,000 in a 401(k), a $400,000 home and $20,000 of vehicles, assets total $520,000. Subtract a $300,000 mortgage, $18,000 of loans and $3,000 of credit card debt ($321,000) and net worth is $199,000. Liquid net worth is $37,000 and the debt-to-asset ratio is 61.7%, mostly the mortgage, which falls with every payment.

Frequently asked questions

What counts as an asset?

Anything with resale value: cash, investments, retirement accounts, real estate, vehicles and valuable possessions. Leave out everyday items that would sell for little.

Should I include my home?

Yes for total net worth, at its current market value, with the mortgage on the liability side. Liquid net worth excludes it.

What is a good net worth for my age?

A rough benchmark from the Millionaire Next Door is age × pre-tax income ÷ 10. Federal Reserve survey data shows wide variation, so compare yourself mainly with your own past.

Is negative net worth bad?

It means debts exceed assets, which is common with new student loans or a new mortgage on a home bought with little down. It improves as you pay down debt.

Updated October 2026. Results are estimates for education, not financial or medical advice. All math runs in your browser; nothing you type is sent anywhere.

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