acalculator

What is my net worth?

Enter what your savings, investments, home and other assets are worth, and what you still owe. See your net worth and how your assets and debts break down.

Your numbers

Your net worth
$187,000.00

With $470,000.00 of assets and $283,000.00 of debts, your net worth is $187,000.00.

Total assets
$470,000.00
Total liabilities
$283,000.00
Debt-to-asset ratio
60.21%

Your net worth: $187,000.00. With $470,000.00 of assets and $283,000.00 of debts, your net worth is $187,000.00.

What do you own?

What do you owe?

The results are estimates for information only. They are not financial, tax, or legal advice. Check the numbers with your lender or a qualified professional before you decide. Terms of use

How to calculate

Computes your net worth (everything you own minus everything you owe) and your debt-to-asset ratio from your savings, investments, property and debts.

Example with the default inputs (Cash and savings $15,000.00, Investments $25,000.00, Retirement accounts $60,000.00, Home $350,000.00, Other real estate $0.00, Vehicles $20,000.00, Other assets $0.00, Mortgages $250,000.00, Car loans $12,000.00, Student loans $18,000.00, Credit cards $3,000.00, Other debts $0.00): With $470,000.00 of assets and $283,000.00 of debts, your net worth is $187,000.00.

Method: net worth = total assets − total liabilities; debt-to-asset ratio = total liabilities ÷ total assets × 100.

  • Assets are at what they would sell for today; debts are what is still owed today.
  • Taxes and selling costs you would pay to turn assets into cash are not taken off.
  • Arithmetic is exact on the typed decimals; money shows to the cent and the ratio to 2 decimals, halves up.

Machine-readable copies: Markdown, JSON.

Worked examples

Each example is checked against the calculator on every build.

  1. Cash and savings $15,000.00, Investments $25,000.00, Retirement accounts $60,000.00, Home $350,000.00, Vehicles $20,000.00, Mortgages $250,000.00, Car loans $12,000.00, Student loans $18,000.00, Credit cards $3,000.00 gives Total assets $470,000.00, Total liabilities $283,000.00, Your net worth $187,000.00, Debt-to-asset ratio 60.21%.Source: Fidelity Learning Center, "Net worth": assets − liabilities = net worth (https://www.fidelity.com/learning-center/smart-money/net-worth)
  2. Cash and savings $2,500.00, Vehicles $8,000.00, Student loans $35,000.00, Credit cards $4,200.50 gives Total assets $10,500.00, Total liabilities $39,200.50, Your net worth -$28,700.50, Debt-to-asset ratio 373.34%.Source: Fidelity Learning Center, "Net worth": assets − liabilities = net worth (https://www.fidelity.com/learning-center/smart-money/net-worth)
  3. Student loans $20,000.00 gives Total assets $0.00, Total liabilities $20,000.00, Your net worth -$20,000.00.Source: Fidelity Learning Center, "Net worth": assets − liabilities = net worth (https://www.fidelity.com/learning-center/smart-money/net-worth)

How it works

Net worth is what you own minus what you owe.

  • Total assets = cash and savings + investments + retirement accounts + home + other real estate + vehicles + other assets
  • Total liabilities = mortgages + car loans + student loans + credit cards + other debts
  • Net worth = total assets − total liabilities
  • Debt-to-asset ratio = total liabilities ÷ total assets × 100, left out when total assets are $0, or when it rounds to more than 1 trillion percent (assets of a tiny fraction of a cent)

Rules:

  • Each amount is $0 to $1 trillion. An empty amount counts as $0.
  • The arithmetic is exact on the decimals you type. Money shows to the cent with halves rounded up (away from 0). The ratio is rounded to 2 decimals, halves up, from the exact value.

The two charts show how your assets and your debts split into their parts. Parts that are $0 are left out.

Assumptions

  • Assets count at what they would sell for today, and debts at what is still owed today.
  • Taxes and selling costs you would pay to turn assets into cash are not taken off.

Worked examples by hand

A homeowner. Assets: 15,000 + 25,000 + 60,000 + 350,000 + 20,000 = $470,000. Debts: 250,000 + 12,000 + 18,000 + 3,000 = $283,000. Net worth = 470,000 − 283,000 = $187,000. Ratio = 283,000 ÷ 470,000 × 100 = 60.2127…, shown as 60.21%.

Early career. Assets: 2,500 + 8,000 = $10,500. Debts: 35,000 + 4,200.50 = $39,200.50. Net worth = −$28,700.50. Ratio = 39,200.50 ÷ 10,500 × 100 = 373.338…, shown as 373.34%.

Only a student loan. Assets $0, debts $20,000: net worth −$20,000, and no ratio.

Other questions people ask

How do I calculate my net worth?

Add up everything you own (assets), add up everything you owe (liabilities), and subtract the second total from the first. $470,000 of assets and $283,000 of debts is a net worth of $187,000.

Can net worth be negative?

Yes. If you owe more than you own, your net worth is below zero. This is common early in a career, for example with student loans and few savings. Paying down debt and saving both raise it.

Should I count my home and my car?

Yes, at what they would sell for today, not what you paid. Count the mortgage and the car loan as debts, so only your equity adds to your net worth.

Do retirement accounts count?

Yes. A 401(k) or IRA balance is an asset. It is taxed or penalized in some cases when you take it out, and this calculator does not take those taxes off.

What is a debt-to-asset ratio?

Your total debts as a percent of your total assets. $283,000 of debts against $470,000 of assets is 60.21%. Above 100% means you owe more than you own.

How often should I work out my net worth?

Once or twice a year is enough for most people. The trend matters more than one number: a net worth that rises over time means you are saving more than you borrow.

Is net worth the same as income?

No. Income is what you earn over a period; net worth is what you have at one moment. A high income with high spending and debt can come with a low net worth.