Net Worth Calculator
Add up everything you own, subtract what you owe, see where you stand.
Your numbers
How this calculator works
Net worth is the single number that summarizes your entire financial life: everything you own minus everything you owe. It cuts through salary, lifestyle and appearances, two people earning the same income can have wildly different net worths depending on saving and debt habits. This net worth calculator walks you through both sides of the ledger. List your assets, cash, investments, retirement accounts, home equity at market value, vehicles, and your liabilities, mortgage, student loans, credit cards, car loans, and it computes your net worth plus your debt-to-asset ratio.
Track this number quarterly, not daily. Markets move, but the trend over years is what matters: a rising net worth means you are building wealth, a flat or falling one means spending or debt is outrunning saving. If the number is negative, do not panic, that is normal early in a career with student loans; the calculator shows exactly which debts drag hardest so you can target them. The debt-to-asset ratio adds context: under 30–40% is comfortable for most households, while anything approaching 100% means you own almost nothing free and clear yet.