Calculate your net worth by entering your assets (cash, investments, real estate, vehicles) and liabilities (mortgage, loans, credit card debt). Your net worth is instantly shown as the difference — plus a visual breakdown of what you own versus what you owe.
Your Net Worth
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Total Assets
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Total Liabilities
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Debt-to-Asset Ratio
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Net worth is the total value of everything you own (your assets) minus everything you owe (your liabilities). It's one of the most important measures of your overall financial health and reflects where you stand financially at any given moment.
Net worth is calculated using a simple formula: Net Worth = Total Assets − Total Liabilities. Add up all the things you own that have monetary value, then subtract all your outstanding debts. The result can be positive (you own more than you owe) or negative (you owe more than you own).
Assets are valuable possessions or accounts that you own. Common assets include cash and savings, checking accounts, retirement accounts (401k, IRA), investment accounts, the market value of your home, vehicle values, and personal property like jewelry or collectibles.
Liabilities are financial obligations or debts that you owe. Common liabilities include your remaining mortgage balance, car loan balances, student loan debt, credit card balances, personal loans, and any other money you owe to lenders or creditors.
Yes — a home is a great example. The current market value of your home is an asset, while the remaining mortgage balance is a liability. Your vehicle's current value is an asset, but the outstanding car loan is a liability. Your net equity in each is what counts toward your net worth.
There's no single 'good' net worth — it depends on your age, income, and financial goals. Generally, a positive net worth (assets exceed liabilities) is a healthy starting point. The key is that your net worth grows over time as you pay down debt and build savings and investments.
The debt-to-asset ratio is your total liabilities divided by your total assets, expressed as a percentage. A lower ratio (under 50%) indicates financial strength, meaning you own more than you owe. A ratio above 100% means your debts exceed your assets, resulting in a negative net worth.
You can grow your net worth two ways: increase assets or reduce liabilities. Practical steps include consistently saving and investing, paying down high-interest debt, contributing to retirement accounts, and avoiding taking on new unnecessary debt. Even small, consistent actions compound significantly over time.