Net worth is calculated as total assets minus total liabilities. It’s a snapshot of what you own compared with what you owe.

What counts as an asset?

Assets include cash, checking and savings accounts, investments, retirement accounts, vehicles, business equity, and optionally your home’s estimated value.

What counts as a liability?

Liabilities are debts you owe such as credit cards, student loans, auto loans, personal loans, and mortgage balances.

Does this calculator save or send my data?

No. All calculations run locally in your browser. Your entries are not stored or transmitted by this calculator.

What does debt-to-assets mean?

Debt-to-assets is calculated as total liabilities divided by total assets. It’s shown as a percentage and helps indicate how leveraged you are.

Net Worth Calculator: Learn More

Q: How do I include home equity?

Add your home’s estimated value as an asset and your remaining mortgage balance as a liability. The difference represents your home equity.

This calculator helps you estimate your net worth by subtracting what you owe (liabilities) from what you own (assets). All calculations run locally in your browser.

Educational information only. Not financial, legal, or tax advice.

What net worth means

Net worth = Total Assets − Total Liabilities. It’s a snapshot of where you stand today and can be useful for tracking progress over time.

What to include as assets

Cash: checking, savings, cash on hand.
Investments: brokerage accounts, ETFs, stocks, bonds.
Retirement accounts: 401(k), IRA, Roth IRA, etc.
Other assets: vehicle value, business equity, valuable property (optional).
Home value (optional): you can include your home’s estimated market value as an asset.

What to include as liabilities

Credit card balances (what you owe today).
Student loans and other education debt.
Auto loans and personal loans.
Mortgage balance (remaining principal owed).

How to include home equity

If you want to track home equity, add your home’s estimated value as an asset and your remaining mortgage balance as a liability. The difference represents your equity.

How to read the results

Net Worth: your assets minus your liabilities.
Assets − Liabilities: the formula shown so you can verify the math.
Debt-to-Assets: total liabilities ÷ total assets, shown as a percentage. This helps indicate how leveraged you are.

Important notes and limitations

This is a snapshot based on what you enter; it doesn’t fetch account balances automatically.
Asset values can be estimates (especially home value, vehicles, or business equity).
Net worth can be negative, especially early on (for example, with student loans or a new mortgage).

Try these quick experiments

Run your numbers with and without your home to compare “liquid net worth” vs total net worth.
Update monthly or quarterly and track the trend rather than focusing on a single number.
Add a new row for a future goal (like paying off a loan) to see how reducing one liability changes the total.