Net Worth Calculator

About this calculator

Your net worth is the single number that sums up your financial position: everything you own minus everything you owe. Add up your assets — cash and bank balances, investments and retirement accounts, the value of property and vehicles, and anything else of worth — then subtract your liabilities — the mortgage, auto, student and personal loans, credit-card balances and any other debts. The difference is your net worth. It can be positive or negative, and tracking it over time is the clearest way to see whether you are building wealth or treading water. Nothing is converted between currencies; the figures you type are added and subtracted exactly as entered.

How to read your results

The headline is your net worth — assets minus liabilities. A positive figure means you own more than you owe; a negative figure (common early in a career, or with a large mortgage) simply means your debts currently exceed your assets, and it is still a valid, useful number to track. The three stats break it down: total assets, total liabilities, and the debt-to-asset ratio — your liabilities as a percentage of your assets. A lower ratio means more of what you own is truly yours; a ratio above 100% means you owe more than you own. The proportion bar shows assets and liabilities side by side so you can see the balance at a glance.

How it's calculated

Total assets is the sum of the five asset lines: cash, investments, property, vehicles and other assets. Total liabilities is the sum of the four debt lines: mortgage, loans, credit cards and other debts. Net worth = total assets − total liabilities, which may be negative. The debt-to-asset ratio is total liabilities ÷ total assets × 100, and is reported as 0% when there are no assets to avoid dividing by zero. Every input is a non-negative amount; all figures are rounded to two decimal places, and the calculation is currency-invariant — the currency is only a label.

Worked example

Assets: cash 10,000, investments 50,000, property 300,000. Liabilities: mortgage 200,000, loans 15,000.

Total assets are 360,000 and total liabilities are 215,000, so net worth is 145,000. The debt-to-asset ratio is 215,000 / 360,000 = 59.72% — most of the balance sheet is the house, and a little under 60% of the assets are still financed by debt.

Frequently asked questions

How do I calculate my net worth?

Add up the current value of everything you own — cash, investments and retirement accounts, property, vehicles and other assets — to get total assets. Then add up everything you owe — mortgage, loans, credit-card balances and other debts — to get total liabilities. Net worth = total assets − total liabilities.

Is a negative net worth bad?

Not necessarily. A negative net worth means your liabilities exceed your assets right now, which is common for new graduates with student loans or homeowners early in a mortgage. What matters most is the trend: if the number is climbing over time, you are moving in the right direction.

What should I count as an asset?

Count what you could realistically convert to money: bank and cash balances, investment and retirement accounts, the market value of property and vehicles, and other valuables such as a business stake or collectibles. Use current resale or market values, not what you originally paid.

What is the debt-to-asset ratio?

It is your total liabilities divided by your total assets, shown as a percentage. A ratio of 60% means debt finances 60% of what you own. Lower is generally healthier; a ratio above 100% means you owe more than you own, i.e. a negative net worth.

Does this calculator convert between currencies?

No. The currency selector only labels the result. Enter every figure in the same currency — the calculator adds and subtracts the numbers exactly as you type them and never performs any exchange-rate conversion.

Sources

• www.investopedia.com/terms/n/networth.asp
• www.consumerfinance.gov/about-us/blog/how-calculate-your-net-worth

Reviewed by the YouCalc Team · Last reviewedJune 26, 2026