Net Worth Calculator

Add your assets and liabilities by category to see your total net worth and your debt-to-asset ratio, with a clear breakdown. Everything stays in your browser.

Add up what you own and what you owe to find your net worth. List your assets and liabilities by category to see your total net worth, your debt-to-asset ratio and a clear breakdown of where you stand.

Read the guide: How to Calculate Your Net Worth (Assets Minus Debts)

Assets (what you own)

Liabilities (what you owe)

Net worth

$155,000.00

$411,000.00 assets − $256,000.00 debts

Total assets
$411,000.00
Total liabilities
$256,000.00
Debt-to-asset
62.29%

Use current market values, and count home equity as the property value minus the mortgage. Everything stays in your browser. There is no single "good" number — compare against the median for your age.

How it works

  1. 1

    List your assets

    Add cash, investments, retirement accounts, property and vehicles at current value.

  2. 2

    List your liabilities

    Add your mortgage, loans, credit cards and any other debts.

  3. 3

    See your net worth

    View total assets minus liabilities, plus the debt-to-asset ratio.

Instant & 100% private — nothing is uploaded

Every calculation runs locally in your browser. The income, balances and goals you enter stay on your own device and are never sent to a server — nothing is stored, logged or shared.

Frequently asked questions

What is net worth?
Net worth is everything you own (assets) minus everything you owe (liabilities). A positive number means assets exceed debts; a negative number means you owe more than you own.
Should I include my home in net worth?
Yes. Include the home’s current market value as an asset and the remaining mortgage as a liability, so only your equity adds to net worth. Many people also track a second figure excluding home equity.
Is my 401(k) part of net worth?
Yes. Retirement accounts like 401(k)s and IRAs count as assets at their current balance, alongside brokerage accounts, savings and crypto.
What is a good net worth for my age?
There is no single right number. Compare against the median net worth for your age bracket; being above the median for your age generally signals you are tracking well.

Important

For information and planning only — not financial, tax or legal advice. These figures are estimates; rates, fees and rules vary, so confirm anything that affects a real decision with a qualified professional or the official source.

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