Net Worth Calculator
Net worth is simply everything you own minus everything you owe. List your assets and your outstanding balances below to see the total, how much of it is liquid, and what share of your assets is still financed by debt.
- Accurate
- Real-time
- Easy to use
- 100% free
Net worth
$240,000
Total liabilities
$200,000
Details
Updates as you typeChequing, savings, money market, and cash on hand.
Brokerage accounts, pensions, 401(k), IRA, ISA.
What your home and any other real estate would sell for today.
Vehicles, business equity, valuables — resale value, not purchase price.
What you still owe, not the original loan amount.
Credit cards, car loans, student loans, personal loans.
Summary
Typical — 30% to 50%Net worth
$240,000
Total assets
$440,000
- Cash & savings$15,0003%
- Investments & retirement$85,00019%
- Property$320,00073%
- Other assets$20,0005%
- Total assets
- $440,000
- Total liabilities
- $200,000
- Debt-to-asset ratio
- 45.5%
- Liquid assets
- $100,000
- Home equity
- $140,000
How this is calculated
- Cash & savings
- $15,000
- Investments & retirement
- $85,000
- Property market value
- $320,000
- Other assets
- $20,000
- Total assets
- $440,000
- Mortgage balance
- $180,000
- Other debts
- $20,000
- Total liabilities
- $200,000
- Assets minus liabilities
- $240,000
- Debt-to-asset ratio
- 45.5%
Compare scenarios
See how one change moves the result
- CurrentYour inputs as they stand$240,000Current
- Cash & savings$ 19,000$244,000
- Investments & retirement$ 106,000$261,000
- Property market value$ 400,000$320,000
For informational purposes only. This is not financial advice — confirm major decisions with a licensed advisor.
Frequently asked questions
What counts as an asset when calculating net worth?
Anything you own that could be converted to cash: bank balances, brokerage and retirement accounts, the current market value of property, vehicles, and business equity. Use realistic resale values rather than what you originally paid.
Should I use my home value or my home equity?
Enter the full market value as an asset and the outstanding mortgage as a liability. The calculator subtracts one from the other, so entering equity directly would double-count the debt you have already paid off.
Is a negative net worth a problem?
Not necessarily. Recent graduates with student loans and new homeowners often have more debt than assets, and the figure turns positive as balances fall and assets grow. What matters is the direction it moves year over year.
What is a good debt-to-asset ratio?
Below about 30% is comfortable for most households, and 30% to 50% is typical while a mortgage is being repaid. Above 50% means the majority of what you own is still financed, which leaves little cushion if income or asset values fall.
How often should I recalculate my net worth?
Once or twice a year is enough for most people. Tracking it too frequently mostly captures market noise, while an annual snapshot taken on the same date each year shows whether saving and debt repayment are actually working.