Net Worth Calculator
Total assets minus total liabilities — track your financial picture.
Result
- Total assets$465,000.00
- Total liabilities$238,200.00
- Liquid net worthcash + investments − non-mortgage debt$95,800.00
- Debt-to-asset ratiolower is better51.2%
- Home equity$130,000.00
How to use this calculator
- Use current market value for real estate (Zillow estimate), vehicles (KBB), investments (today's balance).
- Use current balance for all loans — not the original amount.
- Recalculate every 3 months; quarterly cadence catches trends without daily noise.
- Don't include income or recurring bills — only balance-sheet items.
About this tool
Net worth is the single best one-number snapshot of your financial health: everything you own (assets) minus everything you owe (liabilities). Calculate it once a quarter to see real progress — paying off debts and growing investments both move the needle in the same direction. The "liquid net worth" line strips out home equity and counts only what you could actually access in a crisis. Negative net worth (common for new homeowners with student loans) is fine if it's trending up; the trajectory matters more than the absolute number.
Frequently asked
Related calculators
More tools you might like
Hand-picked tools that pair well with this one — same audience, same intent.
Projected nest egg + monthly retirement income at your target age, with optional FI / 25×-spending target mode.
How much to keep in a HYSA for 3, 6, or 12 months of expenses.
Snowball vs avalanche — see which payoff strategy gets you out faster.
Maximum home price you can afford, based on income, debts, and down payment.
Total return, annualized return (CAGR), and dollar gain — with optional IRR mode for regular contributions.
Future value of an investment growing with compound interest plus monthly contributions, with a year-by-year line chart (linear or log scale) of balance vs. cumulative contributions.
Monthly savings needed to hit a target amount by a deadline.
Enter assets and liabilities — get a printable bank-ready net-worth statement PDF.