Net Worth Calculator
What you own minus what you owe.
Your numbers
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Your results
Total assets
Total assets
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Total liabilities
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Net worth
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Debt-to-asset ratio
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Net Worth Calculator by TheCalcTools
How the Net Worth Calculator works
Enter the current value of everything you own.
Enter what you owe on mortgages, loans and cards.
Net worth is assets minus liabilities; the ratio shows how leveraged you are.
The formula
Net worth = total assets − total liabilitiesDebt-to-asset = liabilities ÷ assets
Worked example
Using the default values shown in the calculator:
| Cash and savings | $12000 |
|---|---|
| Investments and retirement accounts | $45000 |
| Home value | $250000 |
| Vehicles and other assets | $18000 |
| Mortgage balance | $190000 |
| Other loans and credit cards | $9000 |
- Assets = 12,000 + 45,000 + 250,000 + 18,000 = $325,000.
- Liabilities = $199,000; net worth = $126,000; debt-to-asset 61.2%.
Result:
| Total assets | $325,000 |
|---|---|
| Total liabilities | $199,000 |
| Net worth | $126,000 |
| Debt-to-asset ratio | 61.2% |
Frequently asked questions
Should my home count?
Yes, at a realistic market value, less its mortgage. Some people also track net worth excluding their home.
How often should I update it?
Quarterly or yearly is enough. Watch the trend, not individual months.
Sources and further reading
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This calculator gives estimates for information only. It is not financial advice, and your lender's or provider's figures will govern. Rates, fees and rules vary. See our disclaimer.