Net Worth Calculator

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Add up everything you own and owe to find your net worth. List assets and liabilities, see totals and your debt-to-asset ratio instantly. Free and private.

Assets –
Liabilities –
Net worth –
Total assets –
Total liabilities –
Debt-to-asset ratio –
Net worth = total assets − total liabilities. The debt-to-asset ratio is liabilities divided by assets; lower is healthier. Nothing is uploaded or stored.

About Net Worth Calculator

The net worth calculator adds up everything you own and everything you owe, then takes the difference: net worth = total assets − total liabilities. List your house, car, savings and investments as assets, and your mortgage, loans and credit card balances as liabilities.

Besides the headline number it reports your debt-to-asset ratio — liabilities divided by assets — a quick gauge of financial health where lower is better. You can add or remove as many labeled line items as you need on each side.

Tracking net worth over time is one of the simplest ways to see whether your finances are moving in the right direction. The calculator is free, and nothing you type is uploaded or stored — every figure stays in your browser.

How to use Net Worth Calculator

  1. Add each asset with a label (house, car, savings) and its current value.
  2. Add each liability (mortgage, car loan, credit cards) with the amount owed.
  3. Add or remove rows until everything you own and owe is listed.
  4. Read your net worth, total assets, total liabilities and debt-to-asset ratio.

Frequently asked questions

Anything of monetary value you own: home equity value, vehicles, cash, savings, investments, retirement accounts and valuable possessions. Use realistic current market values, not purchase prices.

It means you owe more than you own, which is common early in life with student loans or a new mortgage. What matters most is the trend — recalculate every few months and aim for it to rise.

Lower is healthier. A ratio under 0.5 means your assets are at least double your debts; above 1.0 means liabilities exceed assets. The right level depends on your age and goals.

Yes — enter the home’s full market value as an asset and the remaining mortgage balance as a liability. The difference between them is your home equity, captured automatically in the total.

No. The calculation runs entirely in your browser and nothing is uploaded or stored, so you can enter real figures with confidence.
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