Net Worth Calculator
Free net worth calculator. Add your assets and liabilities to get your net worth instantly, with an asset-to-liability ratio. No signup.
What is net worth?
Net worth is everything you own (assets) minus everything you owe (liabilities). It’s the single number that summarises your financial position — and it changes with every big purchase, loan payment, and market move.
How this calculator works
- Add your assets: cash and savings, investments, home or property value, vehicles, and anything else of value.
- Add your liabilities: mortgage balance, personal or student loans, credit card debt, and other debts.
- It subtracts the liabilities from the assets to give your net worth.
- It also shows the asset-to-liability ratio, a quick measure of financial cushion.
How to use the result
- Record the number and re-run it quarterly. Net worth matters as a trend, not a single reading.
- Use realistic asset values — a home at purchase price may not be worth that today. Current market value is the honest number.
- If net worth is negative, don’t panic: student loans and a new mortgage make that normal for decades. Watch it shrink.
- Focus moves on the biggest lever — usually either paying down high-interest debt or growing investments.
What’s a good net worth by age?
There’s no universal target, but a common guideline suggests net worth roughly equal to your age times annual income divided by ten (age × income ÷ 10). A 30-year-old earning $70k would aim for about $210k. Use it as a rough marker, not a scoreboard — high-cost areas and early-career years skew it.
Common mistakes
- Counting the home twice. Home equity belongs in net worth only once, as the value minus the mortgage.
- Using retail prices for cars. A car’s resale value, not its purchase price, is the asset number.
- Ignoring small debts. Credit card balances add up and often carry the highest interest — they drag net worth more than their balance suggests.
Net worth is the balance sheet; the income statement is your cash flow. If debt is the drag, the credit card payoff calculator shows how fast you can clear it, and the retirement calculator projects what the asset side can grow to.