Net Worth Calculator ⚖️

Assets minus debts, made clear.

Assets

Debts

Your net worth

Total assets

Total debts

Debt-to-asset ratio

● Assets● Debts

How to use this calculator

Fill in every asset you own (round numbers are fine).

Fill in every debt you owe.

Your net worth and debt-to-asset ratio update instantly.

Save the result and recheck quarterly.

Calculation method

Net worth = total assets − total liabilities. Assets include cash, savings, investments, home equity (market value − mortgage balance is one approach), vehicles, and other property. Liabilities include mortgages, auto loans, student loans, credit cards, and any other debts. The debt-to-asset ratio is total debts ÷ total assets, expressed as a percentage — lower is better.

Last data update: May 24, 2026

Worked examples

New grad

Assets $5k · debts $30k

−$25,000

Negative is normal early on.

Mid-career

Assets $250k · debts $180k

$70,000

Pre-retiree

Assets $1.2M · debts $40k

$1,160,000

Frequently asked questions

Use a recent appraisal or a conservative Zillow estimate. Subtract any mortgage balance from your home value to get equity.

Yes. Use the current account balance — pre-tax is fine for net worth tracking.

Yes, at current resale value (KBB / Edmunds). Subtract any outstanding loan balance under debts.

Common benchmarks suggest 1× your annual salary by 30, 3× by 40, 6× by 50, 8× by 60. Personal context matters more than averages.

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Personal finance disclaimer. Personal finance calculations are educational tools. Actual financial outcomes depend on many factors. SmartMoneyCalcs is not a financial advisor — consult with a Certified Financial Planner for personalized advice.

Last updated: May 24, 2026