Total your assets and liabilities to find net worth.
Please do not make financial decisions based on these results.
What is the Net Worth Calculator?
Total your assets and liabilities to find net worth. To use the Net Worth Calculator, enter cash and savings, investments, retirement accounts, home value, other assets, mortgage and a few more values; it returns net worth, total assets, total liabilities, debt to asset ratio, and shows them instantly as you type.
Where the Net Worth Calculator fits
Total your assets and liabilities to find net worth. The main figure it returns is the Net worth, worked out from the values you enter.
It belongs with the other budget & planning tools. If you are comparing options or checking a result from another angle, try the Cost of Living Adjuster, Emergency Fund Calculator or the Savings Goal Calculator.
How to use the Net Worth Calculator
- Fill in the fields. You will need Cash and savings ($), Investments ($), Retirement accounts ($), Home value ($), Other assets ($), Mortgage ($), Other debts ($). Start with your real monthly figures, even if they are rounded. Fields marked optional can stay at zero.
- Read the result. The highlighted box gives the Net worth, and the cards below show Total assets, Total liabilities, Debt to asset ratio. Tables and charts break it down further.
- Test other scenarios. Results update as you type. Change one value at a time to see what drives the answer, and press Reset to go back to the defaults.
Formula and how it works
Example with real numbers
Here is the Net Worth Calculator using the default values shown in the calculator above:
Inputs
| Cash and savings ($) | 20,000 |
|---|---|
| Investments ($) | 65,000 |
| Retirement accounts ($) | 90,000 |
| Home value ($) | 320,000 |
| Other assets ($) | 25,000 |
| Mortgage ($) | 240,000 |
| Other debts ($) | 18,000 |
Results
| Net worth | $262,000.00 |
|---|---|
| Total assets | $520,000.00 |
| Total liabilities | $258,000.00 |
| Debt to asset ratio | 49.62% |
With these inputs the calculator returns Net worth: $262,000.00. Change any value in the calculator to see how the result moves.
What if you change one input?
Sensitivity check: raising Cash and savings ($) from 20,000 to 24,000 (about 20% higher) and leaving everything else as in the example above changes the results like this:
| Result | Example | After the change | Change |
|---|---|---|---|
| Net worth | $262,000.00 | $266,000.00 | +1.5% |
| Total assets | $520,000.00 | $524,000.00 | +0.8% |
| Total liabilities | $258,000.00 | $258,000.00 | 0% |
| Debt to asset ratio | 49.62% | 49.24% | -0.8% |
The input that moves the result most is the one to check twice. Change it in the calculator above to test your own case.
What the results tell you
The results panel of the Net Worth Calculator reports Net worth, total assets, total liabilities and debt to asset ratio. Compare these figures while changing one input at a time, and use the related calculators below to look at the same situation from another angle.
Method and limits. This calculator applies the formula in the section above to your inputs, in your browser; nothing you enter is stored on our servers. Results are only as good as the figures you enter; use real recent numbers. It is for information, not financial, tax or legal advice.
Frequently asked questions
How often should I calculate net worth?
Quarterly or yearly is enough to see the trend.
How accurate are cost-of-living indexes?
They are averages and estimates. Housing costs vary widely within a city, so use the result as a guide and check real rents and prices.
Do my numbers leave my device?
No. Everything is calculated in your browser and nothing is stored on our servers.
Are the results guaranteed?
No. Results depend entirely on the numbers you enter and the formulas shown on this page. Please do not make financial decisions based on them alone; confirm important figures with a licensed professional.
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