Net Worth Calculator
Your net worth is the clearest single measure of your financial health: it is everything you own minus everything you owe. Tracking it over time shows whether you are building wealth or falling behind, regardless of your income. This calculator adds up your liquid assets (cash and investments) and your fixed assets (property and vehicles), subtracts your total liabilities, and returns your net worth, your liquid net worth, and your debt-to-asset ratio. All figures are the ones you enter, so nothing is assumed or estimated on your behalf.
Net worth formula
Total assets = liquid assets + fixed assets
Net worth = total assets - total liabilities
Liquid net worth = liquid assets - total liabilities
Debt-to-asset ratio = (liabilities / total assets) * 100
Net worth is the universally accepted measure of wealth: assets minus liabilities. Always use current market values for assets and current outstanding balances for debts so the result reflects your true position today.
Net worth context
- The U.S. Federal Reserve publishes net worth distributions in its Survey of Consumer Finances every three years.
- A positive net worth means assets exceed debts; a negative figure means debts exceed assets.
- Use the resale or market value of homes and cars, not the purchase price.
- Liabilities should reflect the current payoff balance, not the original loan amount.
- Tracking net worth over time is more informative than any single snapshot.
Net worth: frequently asked questions
What is net worth?
Net worth is the value of everything you own (your assets) minus everything you owe (your liabilities). It is a single number that summarizes your financial position at a moment in time. A positive net worth means your assets exceed your debts; a negative net worth means you owe more than you own.
What counts as an asset?
Assets include cash and bank balances, investment and retirement accounts, the market value of your home and other real estate, vehicles, and the resale value of valuable personal property. Use current market values, not what you originally paid, for the most accurate net worth.
What counts as a liability?
Liabilities are your debts: mortgage balance, car loans, student loans, credit card balances, personal loans, and any other money you owe. Always use the current outstanding balance, the amount you would need to pay to clear the debt today, not the original loan amount.
What is the debt-to-asset ratio?
The debt-to-asset ratio is total liabilities divided by total assets, shown as a percentage. A lower ratio means you own more of your assets outright. A ratio above 100 percent means your debts exceed your assets, giving a negative net worth.
What is liquid net worth?
Liquid net worth counts only assets you can convert to cash quickly (such as cash and investments) minus your liabilities. It excludes illiquid assets like your home and vehicles. This calculator estimates it by subtracting liabilities from your entered liquid assets.
Official sources
- U.S. Federal Reserve: Survey of Consumer Finances.
- U.S. Consumer Financial Protection Bureau: Consumer financial tools and definitions.
Reviewed by the CalculatorHub team, edited by James Graham, 16 June 2026. See our methodology.