Savings
Net Worth Calculator
Income can hide a lot: a big salary leveraged against bigger debts is worth less than a modest one with nothing owed. Net worth — everything you own minus everything you owe — is the one number that cannot be dressed up, which is why banks, lenders, and financial planners all start here.
Results
Net worth: $36,500.00, Total assets: $70,000.00, Total debts: $33,500.00, Debt-to-asset ratio: 47.9%
- Net worth
- $36,500.00
- Everything you own minus everything you owe
- Total assets
- $70,000.00
- What you own
- Total debts
- $33,500.00
- What you owe
- Debt-to-asset ratio
- 47.9%
- For every $1 of assets, less than 50¢ is owed
Your balance sheet (shares are within each side)
| Item | Type | Amount | Share |
|---|---|---|---|
| Cash and savings | Asset | $12,000.00 | 17.1% |
| Investments | Asset | $48,000.00 | 68.6% |
| Vehicle value | Asset | $9,000.00 | 12.9% |
| Other assets | Asset | $1,000.00 | 1.4% |
| Credit cards | Debt | $3,500.00 | 10.5% |
| Student loans | Debt | $22,000.00 | 65.7% |
| Auto loans | Debt | $8,000.00 | 23.9% |
- Net worth is the stock measure of your finances where a budget is the flow measure — this snapshot says where you stand, the budget says which direction you are moving.
- Enter the home value and the mortgage balance as a pair (both at today’s figures), or leave both out; mixing the two distorts the debt-to-asset ratio.
- Every dollar of debt paid off raises net worth exactly like a dollar saved — which is why the debt tools are net-worth tools in disguise.
- Re-run this quarterly and log the result — the net worth template turns these snapshots into the trend line that matters.
How to use this calculator
- List what you own: cash and savings, investment and retirement accounts at their current balance, your home at today’s market value, vehicles at private-sale value, and anything else worth real money.
- List what you owe: mortgage balance, credit card balances, student loans, auto loans, and other debts — at the payoff amount, not the monthly payment.
- Read your net worth, the debt-to-asset ratio, and the balance-sheet breakdown showing which items dominate each side.
- Re-run it quarterly. The trend — up, flat, or down — is the honest scoreboard of every budget and debt decision you make in between.
How the calculation works
net worth = total assets − total liabilities debt-to-asset ratio = total liabilities ÷ total assets
Assets are everything you own valued at what they would fetch today; liabilities are every balance you would need to clear. The ratio puts the two sides on a common scale: below 0.5 is generally considered resilient, above 1.0 means you owe more than you own.
Worked example
Input
Assets: $12,000 cash and savings, $48,000 in retirement and brokerage accounts, no home, $9,000 vehicle, $1,000 other. Debts: $3,500 credit cards, $22,000 student loans, $8,000 auto loan.
Result
Total assets: $70,000. Total debts: $33,500. Net worth: 70,000 − 33,500 = $36,500. Debt-to-asset ratio: 33,500 ÷ 70,000 ≈ 47.9% — investments carry the asset side (68.6%), student loans the debt side (65.7%).
Assumptions and important notes
- Every figure is a today-value snapshot: account balances as currently shown, home and vehicle at estimated resale value, debts at payoff amount. The result ages as prices and balances move.
- Future income, pensions, and Social Security promises are not assets — a balance sheet only counts claims you could turn into cash now.
- Vehicles depreciate fast; re-estimating them each quarter keeps the total honest rather than flattering.
- Home value and mortgage balance are entered separately on purpose: the spread between them (equity) is already netted into net worth by the subtraction.
Frequently asked questions
What counts as an asset?
Anything you own that has real market value: cash, savings, retirement and brokerage accounts, crypto, a home or land, vehicles, and valuable property. Things with sentimental value but no buyers — or claims on future money like an expected inheritance — do not belong on the list.
Should I include my home and car?
Yes, if you would count them as wealth; both approaches are defensible as long as you are consistent. If you include the home, include the mortgage too — the net effect on net worth is the same either way, but the debt-to-asset ratio changes, so pick one convention and keep it.
Is a negative net worth bad?
It is common, especially early: student loans and a financed car sit on the balance sheet years before investments catch up. What matters is the direction. Every payment above interest, and every dollar saved, moves the number up — check it quarterly instead of daily.
How is this different from my budget?
A budget is a flow — money moving through the month. Net worth is a stock — the pile that flow leaves behind. A budget can look healthy while debts quietly grow, which is exactly the gap this number closes. Pair the two: budget monthly, net worth quarterly.
Related tools
Financial Independence Calculator
Project the portfolio size and the date you reach financial independence: your FI number, time to FI, and the savings rate that drives the timeline — 4% rule math explained.
Open toolSnowball vs. Avalanche Calculator
Enter every debt and compare the snowball and avalanche payoff orders side by side: months to debt-free, total interest, and when each debt disappears.
Open toolBudget Calculator
See your monthly cash flow at a glance: total income, total expenses, remaining balance, savings rate, and a category-by-category breakdown.
Open toolYour next step
Last step of the chain
See the full financial order of operations
Every step from budget to FI on one page, with the right tool for each.
Read the guideNew here? Read the financial order of operations guide for the reasoning behind all five steps.