Net Worth Calculator
Total your assets and liabilities to track your net worth.
Quick answer
Net worth is what you own minus what you owe: total assets (cash, investments, home, car) minus total liabilities (mortgage, loans, credit-card debt). The trend over time matters more than the single figure — rising net worth means you're building wealth.
Net worth
$152,000
Total assets
$410,000
Total liabilities
$258,000
Debt-to-asset ratio
63%
The number that actually tracks progress
Income measures flow; net worth measures accumulation — assets minus liabilities. It's the figure that moves when you save, invest, or pay down debt, and it's best tracked quarterly: single months are noisy, trends are the signal.
Benchmarks, loosely
One common yardstick suggests net worth ≈ age × pretax income ÷ 10. More useful than any benchmark: separate liquid net worth (excluding home equity) since you can't spend a house — and watch that the debt-to-asset ratio falls over time.
Frequently asked questions
- How does the Net Worth Calculator work?
- Net worth is what you own minus what you owe: total assets (cash, investments, home, car) minus total liabilities (mortgage, loans, credit-card debt). The trend over time matters more than the single figure — rising net worth means you're building wealth.
- Is the Net Worth Calculator free to use?
- Yes. The Net Worth Calculator is completely free, runs entirely in your browser, and requires no account or sign-up. Your inputs never leave your device.
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