Net Worth Calculator

The calculator adds up all your assets — cash, investments, real estate, and other valuables — to get your total asset figure. It then totals your liabilities, which include your mortgage balance and any other outstanding debts such as car loans, student loans, and credit card balances. Net worth is the simple difference: total assets minus total liabilities. A positive net worth means your assets exceed what you owe, while a negative net worth means debts outweigh assets. The debt-to-asset ratio is computed by dividing total liabilities by total assets and multiplying by 100, giving you a quick sense of how leveraged your financial position is. A ratio below 50% generally indicates more assets than debts, which is considered a healthy balance sheet. Enter current market values for assets like your home or car rather than original purchase prices, since those can differ significantly from what the assets are worth today.