Net Worth Calculator
List what you own and what you owe to get one net worth figure, plus liquid net worth, your debt-to-asset ratio, and a breakdown by type.
Net Worth Calculator
What you own
One row per account or item, valued at what it would sell for today. The name is yours to set and is never used in the math, so leave it blank if you prefer. A blank amount is skipped; a typed 0 counts as a real zero.
Values are clamped to zero and below $100,000,000. An overdrawn account or any other negative balance belongs in the debts card instead. Removing a row clears its name and value and puts its type back to the default.
What you owe
Enter the balance still owed as a positive number, not the monthly payment. The debt type changes nothing in the totals: it only drives the debt composition bars.
A card you clear in full every month still counts if there is a balance on it today.
Which figure leads?
Both figures are always calculated and both appear in the breakdown. This only decides which one gets the big type.
Nothing entered yet. List your accounts and balances on the left and every figure here fills in as you type.
A negative net worth is common early on, since student loans and a car loan land years before the assets do. What matters is the direction it moves each month.
With no assets entered there is nothing to divide by, so the debt-to-asset ratio has no value. Your net worth is simply the total you owe, as a negative.
No debts entered, so your net worth is the full value of what you own and the debt-to-asset ratio reads 0.0%.
Your net worth is positive but your liquid net worth is not. The value is tied up in property, vehicles or retirement accounts you cannot spend this week.
A point-in-time snapshot. No growth rate, no interest and no tax is applied to any figure on this page.
Debt-to-asset ratio
Undefined until you enter at least one asset.
What your assets are made of
Shares of your total assets. Rounding means they will not always add to exactly 100.0%.
What your debts are made of
Shares of everything you currently owe.
How to calculate your net worth
Net worth is everything you own minus everything you owe. That is the whole formula, and the arithmetic is the easy part. The work is in the listing.
Do it in one sitting, with the statements open in front of you. Memory is generous about balances. Write down what each account actually shows today. Value your home and any other property at what it would realistically sell for now: what you paid is history, and a listing site's estimate is a guess. Do the same for vehicles. Enter every debt at its payoff balance, not its monthly payment, because the payment is a cash-flow figure and has no place on a balance sheet. Income does not appear anywhere in this calculation: what you earn is a separate question from what you have.
A worked example. Say you list $482,000 of assets (a house, two accounts, a brokerage balance and a car) against $196,400 of debts (a mortgage, a car loan and a card). Your net worth is $285,600, and your debt-to-asset ratio is 40.7%, which means just over 40 cents of every dollar you own is currently financed.
Liquid net worth vs. total net worth
The two figures answer different questions. Total net worth measures your long-run position. Liquid net worth measures what you could get your hands on this month if something went wrong.
The split this calculator uses is stated plainly on every row: cash and investments are liquid, and retirement accounts, property, vehicles and everything else are not. Retirement money is the one people argue about. It is genuinely yours, but taking it out early carries penalties and taxes, so counting it as spendable will flatter the figure in exactly the situation where you need the figure to be honest.
Liquid net worth subtracts all of your debts, not just the short-term ones. That is the standard definition, and it is why the liquid figure often lands negative for homeowners: a mortgage balance is large and a checking account is not. That result is normal. The trap worth watching for is the opposite shape, a healthy total net worth sitting almost entirely in a house and a retirement account, with almost nothing spendable behind it. Both figures appear side by side above so you can see which one you are looking at.
What your net worth number actually tells you
Direction beats level. A number that rises every quarter is telling you something useful. A single number compared against a stranger's is mostly telling you about the stranger.
Benchmarks give context, not a verdict. The Federal Reserve's Survey of Consumer Finances, most recently published for 2022 with the next release expected in late 2026, puts median US family net worth at roughly $193,000 against a mean above $1 million. The gap between those two figures is itself the lesson about averages: a small number of very large balance sheets drags the mean far above where most families sit. By age, the 2022 median climbs from around $39,000 for under-35s to roughly $410,000 for the 65 to 74 group. Treat all of these as context, and remember they are 2022 figures.
Tracking net worth month to month
One snapshot is a number. Twelve snapshots are a trend, and the trend is the part that tells you whether the plan is working. Between two readings, four things move the figure: principal you paid down, money you added or spent, market movement on investments, and depreciation on anything with wheels. Keeping the method identical each month is what makes those movements readable. Same day, same valuation approach, same accounts included.
The recurring side of your spending is usually what decides whether the line goes up or sideways, so it is worth sizing separately: the subscription cost calculator finds the quiet monthly total, the biweekly paycheck budget calculator turns a biweekly pay cycle into a monthly plan, and the irregular income budget calculator sizes the buffer that keeps net worth moving up when the deposits vary.
Refilling a form every month is the reason most people stop after two. Budget44 has a dedicated Net Worth screen that keeps the same calculation running from your accounts: the headline total of assets minus liabilities, the change since the start of the current month, and a history chart of the trend this page can only describe. Separate assets and liabilities sections show each account's balance and its share of the bucket, which is the same idea as the composition bars above. An include-in-total toggle on each account lets a card post transactions without rolling into the figure. It all stays on the device in a local database, with no account, no sync and no bank login, which is the same posture as this calculator: nothing you typed here left your browser.
Got your number? Download Budget44 and watch it move.
Frequently Asked Questions
Common questions about net worth calculator
What is net worth?
Everything you own minus everything you owe. Add up your accounts, investments, property and vehicles, subtract your mortgage, loans and card balances, and the figure left over is your net worth. It is a snapshot of position at a single moment, not a measure of income: a high earner with large balances owing can easily have a lower net worth than someone earning half as much.
What counts as an asset?
Anything you own that could reasonably be turned into money: cash and bank balances, brokerage and retirement accounts, your home and any other property, vehicles, and valuables worth listing such as jewelry or a collection. Value them at what they would actually sell for today, not what you paid. Skip anything you would struggle to price. Furniture and clothing just make a net worth statement messier.
What counts as a liability?
Every balance you still owe: mortgage, home-equity loan, car loans, student loans, personal loans, credit card balances, medical debt, tax owed, and anything you have borrowed from family. Enter the payoff balance, not the monthly payment. A card you clear in full each month still counts if there is a balance sitting on it today.
What is liquid net worth, and how is it different?
Liquid net worth counts only the assets you could turn into cash in a day or two (cash, bank balances and ordinary investments), then subtracts all of your debts. It leaves out your home, your car and your retirement accounts, since selling a house takes months and pulling money out of a retirement account early carries penalties and taxes. It answers a different question than net worth: not "what am I worth" but "what could I actually reach if something went wrong this month".
Should I include my house in my net worth?
Yes. Include the home's current market value as an asset and the remaining mortgage balance as a liability. The difference is your home equity, and it belongs in the total. Just do not include it in the liquid figure: equity is real, but it is not money you can spend without selling or borrowing against the house.
Is a negative net worth bad?
Not on its own, and it is far more common than people assume. A recent graduate with student loans and a financed car will be negative for years before the assets catch up. The number that matters is the direction of travel: if the gap narrows every month you are on track, whatever the starting point.
What is a good debt-to-asset ratio?
It is your total debts divided by your total assets, and lower is better. Common guidance puts a comfortable ceiling around 40%: under that, most of what you own is genuinely yours. Above 60% you are carrying a lot of leverage and a dip in asset values would hurt. A ratio above 100% means you owe more than everything you own is worth.
How often should I calculate my net worth?
Monthly is the sweet spot. It is frequent enough to see progress and to catch a bad direction early, and slow enough that market noise does not dominate the reading. Use the same day each month and value things the same way each time, so the change you are looking at is real movement rather than a change of method. If the recurring side of your spending is what keeps the figure flat, the subscription cost calculator is the quickest place to look.