Net Worth Calculator
Assets minus liabilities.
Enter your values
Enter the cash & savings in $.
Enter the investments & retirement in $.
Enter the property & vehicles in $.
Enter the mortgage in $.
Enter the other debts in $.
Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.
- Net worth
- $287,000.00
- Total assets
- $585,000.00
- Total liabilities
- $298,000.00
- Liquid net worth
- $147,000.00
- Debt to asset ratio
- 50.94%
Quick answer
Net worth equals everything you own minus everything you owe — the single clearest measure of financial progress.
Net worth = Assets − Liabilities
At a glance
| What it does | Assets minus liabilities. |
|---|---|
| Category | Finance |
| Inputs needed | Cash & savings, Investments & retirement, Property & vehicles, Mortgage, Other debts |
| Main output | Net worth |
| Formula | Net worth = Assets − Liabilities |
| Cost | Free — no sign-up, no download |
How to use the Net Worth Calculator
- 1List all assets at current market value.
- 2List all outstanding debts.
- 3Recalculate quarterly to track the trend.
Inputs explained
- Cash & savings($)
- Enter the cash & savings in $.
- Investments & retirement($)
- Enter the investments & retirement in $.
- Property & vehicles($)
- Enter the property & vehicles in $.
- Mortgage($)
- Enter the mortgage in $.
- Other debts($)
- Enter the other debts in $.
Worked example
Using the values the calculator loads with:
Inputs
- Cash & savings25000 $
- Investments & retirement140000 $
- Property & vehicles420000 $
- Mortgage280000 $
- Other debts18000 $
Results
- Net worth$287,000.00
- Total assets$585,000.00
- Total liabilities$298,000.00
- Liquid net worth$147,000.00
- Debt to asset ratio50.94%
Frequently asked questions
Should I include my car?
Yes, at resale value — it is an asset even though it depreciates.
What is a good net worth?
Progress matters more than the level; a common rule is 1× salary saved by 30, 3× by 40.
What do I need to enter into the Net Worth Calculator?
Just 5 values: cash & savings, investments & retirement, property & vehicles, mortgage, other debts. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.
How does the Net Worth Calculator work out the answer?
Net worth equals everything you own minus everything you owe — the single clearest measure of financial progress. It applies the formula Net worth = Assets − Liabilities and shows the working so you can check each step by hand.
Is the Net Worth Calculator free, and do I need an account?
It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.