Net Worth Calculator
Net worth is the single number that tells the truth about your finances: everything you own minus everything you owe. Income can flatter you, and a credit score only describes how you borrow. Net worth just does the subtraction. This calculator totals your assets and your debts separately, then shows the difference, plus the debt-to-asset ratio that says how much of what you own is really yours. With the defaults, $465,000 in assets and $300,000 in debts leave a net worth of $165,000 and a ratio of 64.5%. Run your own numbers. Most people are surprised, in one direction or the other.
How the net worth calculator works
It does one subtraction, carefully. Your assets (cash, investments, real estate, other valuables) go in one bucket. Your debts (mortgage, loans, credit cards) go in another. Net worth is the first bucket minus the second. That's the entire definition.
Then it divides total debts by total assets to give the debt-to-asset ratio, which is arguably the more useful number of the two. Net worth tells you the size of your cushion. The ratio tells you how leveraged you are. A household can have decent net worth and still be fragile if nearly everything is borrowed.
The breakdown table and the two charts show each category's share of its total, because the biggest slice is usually where the risk hides. In the defaults, one house is 75.3% of all assets and its mortgage is 93.3% of all debts. That picture explains a lot of household finances at a glance. Concentration is the quiet part of the story.
Formula
Add up everything with real market value, subtract everything you owe, and the remainder is yours. The second formula is the debt-to-asset ratio: Total liabilities ÷ Total assets × 100%. A ratio of 64.5% means 64.5 cents of every dollar you "own" is spoken for by debt. Use realistic market values, not what you paid years ago and not what you hope things are worth.
Example
Walk through the defaults. Cash $15,000 + investments $80,000 + real estate $350,000 + other assets $20,000 = $465,000 in total assets. Mortgage $280,000 + loans $15,000 + credit cards $5,000 = $300,000 in total debts. Net worth = $465,000 − $300,000 = $165,000. Debt-to-asset ratio = $300,000 ÷ $465,000 ≈ 64.5%.
Positive, so you own more than you owe. But look at the shape. The house is 75.3% of all assets while the mortgage is 93.3% of all debts. This household is fine on paper, yet one property drives nearly everything. If home prices fell 20%, net worth would drop by $70,000 overnight. That's leverage doing its thing in both directions.
How to read your results
Positive net worth means you own more than you owe. Negative means the reverse, and it's more common than people admit, especially early in a career with student loans. Either way, the trend matters more than any single snapshot. Recalculate quarterly and watch the line move. Rising is winning, flat is a warning, falling is a problem.
For context: the Federal Reserve's 2022 Survey of Consumer Finances put the median US household net worth at about $192,900. Treat it as a reference point, not a target. Your number should reflect your age, city, and goals, not a national median. A 25-year-old renter and a 55-year-old homeowner live in different financial universes.
On the ratio: under 50% is comfortable, 50-75% is normal with a mortgage, above 75% deserves a plan, and above 100% means you're underwater. If the ratio worries you, the next steps are boring and effective: kill high-interest debt first, then raise the savings rate. Lenders look at a related number when you borrow; our guide on debt-to-income ratio for a mortgage explains what they actually check.
Scenario comparison
Three snapshots, three different stories. The young renter is nearly debt-free in spirit but owes almost everything they own. The homeowner family looks strong in total but runs a high ratio. The debt-heavy case is underwater, the classic sign that the debt column grew faster than the asset column.
| Scenario | Assets | Liabilities | Net worth | Debt-to-asset |
|---|---|---|---|---|
| Young renter | $23,000 | $20,500 | $2,500 | 89.1% |
| Homeowner family | $465,000 | $300,000 | $165,000 | 64.5% |
| Debt-heavy | $220,000 | $237,000 | -$17,000 | 107.7% |
Frequently asked questions
What counts as an asset?
Should I include my home?
Is a negative net worth a disaster?
What's a good debt-to-asset ratio?
How often should I calculate my net worth?
Net worth or income: which matters more?
Want a benchmark for the number you just got? Coast FIRE at 30, 40, and 50 shows the savings milestones that matter at each age.
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Sources & methodology
Every number on this page is computed live in your browser by the JavaScript shipped with this page. Nothing is sent to a server, nothing is stored, nothing is tracked. The formulas are the standard ones: net worth equals assets minus liabilities, and the debt-to-asset ratio is liabilities divided by assets. The median-net-worth reference comes from the Federal Reserve's 2022 Survey of Consumer Finances. Our calculation methods across the site are documented on the net worth calculation methodology page.