Net Worth Calculator
Add up everything you own and everything you owe to get your net worth, home equity, liquid assets and debt-to-asset ratio, with the split charted.
Net Worth Calculator: with the default inputs, net worth is $279,000.
Checking, savings, money market and CDs.
Brokerage accounts, individual stocks, crypto.
401(k), IRA, Roth, pension cash value — at today's balance, before tax.
Market value of your home and any rentals, not what you paid.
Private-party resale value, not the sticker price.
Business equity, collectibles, HSA balance, money owed to you.
Payoff balance, not the original loan.
The balance you carry, not the credit limit.
Personal loans, medical debt, tax owed, family loans.
Total assets minus total liabilities.
- Total assets
- $582,000
- Total liabilities
- $303,000
- Debt-to-asset ratio
- 52.1%Liabilities ÷ assets. Under 50% is comfortable; over 100% is negative net worth.
- Home equity
- $115,000Real estate value minus the mortgage balance.
- Liquid assets
- $55,000Cash plus taxable investments — what you could reach this week.
- Liquid net worth
- $49,000Liquid assets minus credit-card and other short-term debt.
Assumptions
- Assets are entered at current market value, liabilities at payoff balance.
- Retirement accounts are counted at face value — no tax is deducted for future withdrawals.
- Negative entries are treated as zero; move a debt to the liabilities side rather than entering a negative asset.
- Future income, pensions not yet vested and other non-marketable value are excluded.
- Cash & savings$15,0003%
- Taxable investments$40,0007%
- Retirement accounts$120,00021%
- Real estate$380,00065%
- Vehicles$22,0004%
- Other assets$5,0001%
- Mortgage$265,00087%
- Auto loans$14,0005%
- Student loans$18,0006%
- Credit cards$6,0002%
| Line item | Side | Amount | Share of side |
|---|---|---|---|
| Cash & savings | Asset | $15,000 | 2.6% |
| Taxable investments | Asset | $40,000 | 6.9% |
| Retirement accounts | Asset | $120,000 | 20.6% |
| Real estate | Asset | $380,000 | 65.3% |
| Vehicles | Asset | $22,000 | 3.8% |
| Other assets | Asset | $5,000 | 0.9% |
| Total assets | Asset | $582,000 | 100% |
| Mortgage | Liability | $265,000 | 87.5% |
| Auto loans | Liability | $14,000 | 4.6% |
| Student loans | Liability | $18,000 | 5.9% |
| Credit cards | Liability | $6,000 | 2% |
| Other debt | Liability | $0 | 0% |
| Total liabilities | Liability | $303,000 | 100% |
Shares are of total assets or total liabilities, so each side sums to 100%.
How this is worked out
The formula
Net worth = total assets − total liabilities Debt-to-asset ratio = total liabilities ÷ total assets × 100 Home equity = property value − mortgage balance Liquid net worth = (cash + taxable investments) − (credit cards + other short-term debt)
Open How it’s calculated above to see this worked through with your own numbers.
What you enter
- Cash & savings
- Checking, savings, money market and CDs.in dollars · 0 or more · defaults to 15000
- Taxable investments
- Brokerage accounts, individual stocks, crypto.in dollars · 0 or more · defaults to 40000
- Retirement accounts
- 401(k), IRA, Roth, pension cash value — at today's balance, before tax.in dollars · 0 or more · defaults to 120000
- Real estate
- Market value of your home and any rentals, not what you paid.in dollars · 0 or more · defaults to 380000
- Vehicles
- Private-party resale value, not the sticker price.in dollars · 0 or more · defaults to 22000
- Other assets
- Business equity, collectibles, HSA balance, money owed to you.in dollars · 0 or more · defaults to 5000
- Mortgage balance
- Payoff balance, not the original loan.in dollars · 0 or more · defaults to 265000
- Auto loans
- A number.in dollars · 0 or more · defaults to 14000
- Student loans
- A number.in dollars · 0 or more · defaults to 18000
- Credit cards
- The balance you carry, not the credit limit.in dollars · 0 or more · defaults to 6000
- Other debt
- Personal loans, medical debt, tax owed, family loans.in dollars · 0 or more · defaults to 0
What you get back
- Net worthmain answer
- Total assets minus total liabilities.
- Total assets
- Total liabilities
- Debt-to-asset ratio
- Liabilities ÷ assets. Under 50% is comfortable; over 100% is negative net worth.
- Home equity
- Real estate value minus the mortgage balance.
- Liquid assets
- Cash plus taxable investments — what you could reach this week.
- Liquid net worth
- Liquid assets minus credit-card and other short-term debt.
What this assumes
- Assets are entered at current market value, liabilities at payoff balance.
- Retirement accounts are counted at face value — no tax is deducted for future withdrawals.
- Negative entries are treated as zero; move a debt to the liabilities side rather than entering a negative asset.
- Future income, pensions not yet vested and other non-marketable value are excluded.
About this calculator
Net worth is the single number that says where you actually stand: everything you own, minus everything you owe. Income tells you what flows through your hands each month; net worth tells you what stuck. It is the number to track once or twice a year, because it moves slowly and it is very hard to fool.
How to use it
Fill in what you own on the left and what you owe on the right. Two rules keep the answer honest:
- Value assets at what you could sell them for today, not what you paid. A car is worth its private-party resale price, not the sticker. A house is worth what comparable homes just sold for, not the peak of the market.
- Enter payoff balances, not original loans. Your mortgage line is the amount it would take to clear the loan this month.
Retirement accounts count in full here even though a traditional 401(k) will be taxed on the way out. If you want a conservative figure, enter those balances net of your expected retirement tax rate and say so in your notes so future comparisons stay consistent.
Reading the results
- Net worth is the headline. Negative is common and not shameful: a new graduate with student loans or a buyer who just closed with 5% down starts underwater and climbs out.
- Debt-to-asset ratio puts the two sides in proportion. Below about 50% is comfortable, and above 100% is simply another way of saying net worth is negative.
- Liquid net worth strips out the house, the cars and the retirement accounts you cannot touch without penalty. It is the number that matters in an emergency, and it is often far smaller than people expect.
- Home equity is usually the largest single line for US households, which is why net worth tracks the housing market whether you want it to or not.
What it will not tell you
Net worth is a snapshot, not a trajectory. Two people with $250,000 can be heading in opposite directions. It also ignores everything that has value but no market price — your earning power, a pension you have not vested, health, a business you could not sell. Track the trend across years rather than obsessing over any one reading, and compare yourself only to your own last measurement.
Frequently asked questions
▸How do I calculate my net worth?
Add the current market value of everything you own — cash, investments, retirement accounts, property, vehicles — then subtract every debt balance. The difference is your net worth. It can be negative.
▸Should retirement accounts count toward net worth?
Yes. They are assets you own. Just remember a traditional 401(k) or IRA is pre-tax money, so its spendable value is roughly 75–85% of the balance depending on your future tax rate.
▸Is negative net worth bad?
Not by itself. Student loans and a fresh mortgage put most people below zero for a while. What matters is the direction: if the number rises each year, the plan is working.
▸What is liquid net worth?
Cash and taxable investments minus short-term debt — the money you could actually reach in a week without selling a house or triggering an early-withdrawal penalty. It is the number that decides whether a setback becomes a crisis.
▸How often should I recalculate?
Twice a year is plenty. Net worth moves with markets and property estimates, so measuring monthly mostly measures noise.
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Monthly surplus or deficit, every category as a share of take-home pay, and a per-category verdict against the 50/30/20 rule with the fix named.