Net Worth Calculator
Add your assets and liabilities to instantly calculate your net worth, debt-to-asset ratio, and solvency ratio.
Assets — What You Own
Liabilities — What You Owe
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Your net worth is the most fundamental measure of your financial health — total assets minus total liabilities. Tracking it regularly shows whether you're building wealth or falling behind. A positive and growing net worth means your financial position is strengthening.
Example
Assets: $250,000 home + $80,000 investments + $15,000 savings = $345,000 Liabilities: $180,000 mortgage + $12,000 car loan + $3,000 credit card = $195,000 Net Worth: $150,000 Debt-to-Asset Ratio: 56.5% Solvency Ratio: 1.77 (assets are 1.77× liabilities)
Formulas
Net Worth = Total Assets − Total Liabilities Debt-to-Asset Ratio = (Total Liabilities ÷ Total Assets) × 100 Solvency Ratio = Total Assets ÷ Total Liabilities
What These Numbers Mean
Net Worth = Total Assets − Total Liabilities. Positive means you own more than you owe. Negative (especially early in life due to student loans or mortgages) is normal and improves over time. Debt-to-Asset Ratio: lower is healthier. Under 50% means more than half your assets are unencumbered. Solvency Ratio: above 1.0 means assets exceed liabilities. Above 2.0 is strong financial health.
Frequently Asked Questions
Should I include my home as an asset?
Yes — at current market value (not purchase price). Your outstanding mortgage goes in liabilities. The equity (home value minus mortgage) is the net contribution to your net worth.
What is a good net worth for my age?
A common benchmark: net worth ≈ age × annual salary / 10. At 30 with a $60k salary, a target is $180k. But starting from zero or negative (student debt) is extremely common in your 20s.
How often should I calculate net worth?
Quarterly is a good cadence — frequent enough to track progress, but not so frequent that short-term market swings distort the picture.
Should I include personal property like furniture?
Only include items with resale value — electronics, jewelry, art. Everyday furniture and clothing have negligible resale value and add complexity without accuracy.