Net Worth Calculator
Calculate your total net worth by entering your assets and liabilities across categories — cash, investments, real estate, vehicles, and debts. See your net worth, debt-to-asset ratio, asset allocation breakdown, and a clear financial position summary.
Enter your assets & liabilities
Click any category to expand it. Add or remove line items as needed. All values update the net worth result in real time.
Net worth formula
Net Worth = Total Assets − Total Liabilities
Positive = assets exceed debts
Negative = debts exceed assets (common early in life)
Debt-to-asset ratio
Liabilities ÷ Assets × 100. Below 50% is generally healthy. Above 80% signals high leverage. The lower the better — tracking this ratio over time shows progress.
Frequently asked questions
What is net worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). A positive net worth means your assets exceed your debts. A negative net worth means your debts exceed your assets — common early in life due to student loans, car loans, or a new mortgage.
What should I include as assets?
Include cash and bank accounts, investment and retirement accounts (401k, IRA, brokerage), the current market value of real estate you own, vehicles at current value (not purchase price), and any other valuable property. Do not include future income or the value of your expected social security payments.
What counts as a liability?
Include all outstanding balances on mortgages, home equity loans, car loans, student loans, personal loans, credit card balances, medical debt, and any other money you owe. Use the current outstanding balance, not the original loan amount.
What is a good debt-to-asset ratio?
A debt-to-asset ratio below 30% is considered strong. Between 30–50% is healthy. 50–80% is manageable but warrants attention. Above 80% signals high leverage and financial vulnerability. The ratio naturally improves as you pay down debt and build assets over time.
What is the average net worth in the US?
According to the Federal Reserve's Survey of Consumer Finances, the median net worth of US families is around $192,000 (2022 data), while the mean (average) is approximately $1.06 million — pulled up by very high earners. Median net worth varies significantly by age: under 35 is around $39,000; ages 55–64 peaks at around $364,000.
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Disclaimer
This calculator is for educational and planning purposes only. It does not provide financial, investment, tax, or legal advice. Asset valuations are self-reported estimates. Net worth calculations do not account for deferred taxes on retirement accounts, unrealised capital gains taxes, or other contingent liabilities. Always consult a qualified financial advisor for a comprehensive view of your financial position.