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Net Worth Calculator: What You Own Minus What You Owe
List your main assets and debts in any currency. The calculator totals each side, subtracts one from the other, and shows ratios that help you see where your finances stand today.
What net worth measures
Net worth is a single figure from a personal balance sheet: net worth = total assets − total liabilities. Assets are things you own that have value, such as cash, investments, property and vehicles. Liabilities are amounts you owe, such as mortgages, loans and card balances. If assets exceed liabilities the result is positive; if debts exceed assets it is negative, which is more common than people expect when someone is young, has just bought a home or has student debt.
It is a snapshot, not a measure of income or lifestyle. Two people can earn the same salary and have very different net worth because of what they have saved and borrowed over the years.
How to value each item
- Cash and investments: use today's balance from your statements.
- Retirement accounts: use the current balance. Do not add the present value of future state or employer pensions unless you deliberately want to.
- Property: use a realistic market value, not what you paid or hope to get. Selling costs can reduce what you would actually receive.
- Vehicles and valuables: use resale value, which is usually far lower than the purchase price.
- Liabilities: use the outstanding balance, not the original loan, and include every debt including informal ones.
Tax that would fall due on selling assets or withdrawing from retirement accounts is not deducted, so the total is a pre-tax figure.
Reading the ratios
The debt-to-asset ratio is total liabilities divided by total assets. A lower number means you own more of what you hold; 100% means debts match assets, so net worth is zero. Mortgages often dominate this figure, so the same ratio reads very differently for someone who owns a home than for someone who does not.
Liquid assets are the part you could use within days: cash and investments outside restricted accounts. Dividing them by monthly spending shows how many months you could cover with no income. Many guides suggest holding several months of spending in accessible savings, but the right amount depends on job security, dependants and insurance. The retirement calculator and savings calculator can help you plan how to grow the numbers.
Using it well
Update the figures on a regular schedule, for example once or twice a year, and keep the method the same so the trend is meaningful. Compare yourself with your own past results, not with strangers: net worth varies hugely with age, country, family stage and housing costs. A rise in property or share prices can lift net worth without any saving on your part, and a fall can reverse it, so watch the amount you save and repay as well as the total. This tool does not store your numbers.
Worked example
A household totals its savings, investments, retirement balance, home and car, then lists the mortgage, car loan, card balance and a small personal loan.
Inputs
| Cash and bank accounts | 12000 |
|---|---|
| Investments outside retirement accounts | 30000 |
| Retirement accounts (current balance) | 85000 |
| Home and other property (market value) | 320000 |
| Vehicles (resale value) | 18000 |
| Other assets | 4000 |
| Mortgage and property loans | 240000 |
| Vehicle loans | 9000 |
| Credit card balances | 1800 |
| Student and education loans | 0 |
| Other debts | 2000 |
| Monthly spending (optional) | 3200 |
Result
469,000.00 in assets less 252,800.00 in liabilities.
| Total assets | 469,000.00 |
|---|---|
| Total liabilities | 252,800.00 |
| Debt as a share of assets | 53.9% |
| Liquid assets (cash and investments) | 42,000.00 |
| Months of spending covered by liquid assets | 13.1 |
Breakdown (share of its own side)
| Item | Type | Amount | Share |
|---|---|---|---|
| Cash and bank accounts | Asset | 12,000.00 | 2.6% |
| Investments | Asset | 30,000.00 | 6.4% |
| Retirement accounts | Asset | 85,000.00 | 18.1% |
| Home and property | Asset | 320,000.00 | 68.2% |
| Vehicles | Asset | 18,000.00 | 3.8% |
| Other assets | Asset | 4,000.00 | 0.9% |
| Mortgage and property loans | Liability | 240,000.00 | 94.9% |
| Vehicle loans | Liability | 9,000.00 | 3.6% |
| Credit cards | Liability | 1,800.00 | 0.7% |
| Other debts | Liability | 2,000.00 | 0.8% |
- Formula: net worth = total assets − total liabilities. Values are a snapshot of one day and use the figures you typed in; they are not a forecast.
Financial disclaimer: Results are estimates for planning and education. They are not financial, tax or legal advice. Fees, taxes, rates and rules vary by lender, product and country, so confirm figures with your provider or a qualified adviser before making decisions.
Frequently asked questions
How do I calculate my net worth?
Add up everything you own to get total assets, add up everything you owe to get total liabilities, and subtract liabilities from assets.
Should I include my home in net worth?
Usually yes, at a realistic market value, with the mortgage counted as a liability. Some people also look at net worth excluding the home, since it is not easily spent. You can do this by entering 0 for property and for its loan.
Can net worth be negative?
Yes. It is negative when debts exceed assets, which often happens with new graduates or recent home buyers, and it can improve as loans are repaid and savings grow.
Do pensions count as assets?
Count the current balance of a retirement account. A promise of future pension income is not a balance today, so it is left out unless you convert it to a value yourself.
How often should I recalculate it?
Once or twice a year is enough for most people. Checking more often mostly shows market noise.
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References and sources
- Consumer Financial Protection Bureau: educational materials on budgeting, savings and debt. Link
- Standard personal-finance texts: the personal balance sheet and net worth statement.