Find out what you’re really worth. This free net worth calculator adds up your assets, subtracts your debts, and shows your net worth, totals and debt-to-asset ratio in seconds.
Results update automatically as you type. A snapshot of your finances at one point in time.
Use this free net worth calculator to find out what you’re really worth. Add up your assets, subtract your debts, and instantly see your net worth along with your total assets, total liabilities and debt-to-asset ratio.
A net worth calculator measures your financial health by subtracting everything you owe from everything you own. Enter your assets (cash, investments, property and more) and your liabilities (mortgage, loans, credit cards), and it returns your net worth, total assets, total liabilities and debt-to-asset ratio.
Your net worth is the single clearest snapshot of your finances. Tracking it once or twice a year shows whether you’re building wealth over time.
Net worth = Total assets − Total liabilities
Assets are things you own that have value — cash, savings, investments, retirement accounts, property and vehicles. Liabilities are what you owe — your mortgage, car loan, student loans and credit card balances. A positive net worth means you own more than you owe.
There’s no universal target — a “good” net worth depends on your age, income and goals. A common rule of thumb is the Age × Income ÷ 10 guideline: at age 40 earning $60,000, that suggests a net worth near $240,000. More useful than any single number is whether your net worth is growing year over year.
| Term | What it means |
|---|---|
| Net worth | Total assets minus total liabilities. |
| Assets | Everything you own that has monetary value. |
| Liabilities | Everything you owe. |
| Liquid assets | Assets you can quickly turn into cash, like savings. |
| Debt-to-asset ratio | Your liabilities divided by your assets, as a percentage. |
Add up everything you own (assets) and subtract everything you owe (liabilities). Net worth = total assets − total liabilities. A positive number means you own more than you owe.
Assets include cash and savings, investments, retirement accounts, real estate, vehicles and any other property with monetary value.
Liabilities are debts you owe — your mortgage, car and student loans, credit card balances and any other money you have to repay.
It depends on your age, income and goals. One common guideline is Age × Income ÷ 10. More important than any single figure is whether your net worth is growing over time.
Yes. If your debts are larger than your assets — common early in life or with significant student or mortgage debt — your net worth is negative. The goal is to grow it positive over time.
Yes, this net worth calculator is completely free, needs no sign-up, and gives instant results directly in your browser.