Net Worth Calculator
Add up your assets and subtract your debts to find your net worth, with a breakdown of what you own, what you owe, and your debt-to-asset ratio.
Comment utiliser cette calculatrice
- 1Enter the current market value of each thing you own.
- 2Enter the outstanding balance of each debt you owe.
- 3Read your net worth — assets minus liabilities — and your debt-to-asset ratio.
- 4Recalculate every few months to track whether the number is trending up.
Comment ça marche
Net worth
net worth = total assets − total liabilities assets = everything you own at market value liabilities = everything you owe debt-to-asset ratio = liabilities ÷ assets
Net worth is the most complete single measure of financial position: add up the current value of everything you own — cash, investments, property, vehicles — and subtract everything you owe, from the mortgage down to the credit-card balance. What remains is your net worth. It can be negative, which is common early in life when student loans or a new mortgage outweigh assets, and the goal over time is to push it steadily upward. Unlike income, which measures the flow of money through your life, net worth measures the stock that has accumulated — and it is entirely possible to earn a high income and have a low net worth, or the reverse.
Exemple détaillé
Someone with $15,000 in cash, $60,000 invested, a $300,000 home, an $18,000 car, and $5,000 of other assets owns $398,000. Against a $220,000 mortgage, $12,000 in loans, and $3,000 on cards — $235,000 owed — their net worth is $163,000, with a debt-to-asset ratio of 59%.
Net Worth Calculator : le guide complet
Why net worth beats income as a measure
Income tells you how much money flows through your hands; net worth tells you how much you have kept. The two are only loosely related. High earners who spend everything can have a net worth near zero, while modest earners who save consistently can quietly build substantial wealth. Because net worth captures the accumulated result of every financial decision — saving, investing, borrowing, spending — it is a far better gauge of financial health than a salary figure.
This is also why net worth is the number worth tracking over time. A single snapshot says little; the trend says everything. A net worth that climbs year after year, even slowly, means you are living below your means and putting the difference to work. One that stagnates or falls despite a good income is an early warning that lifestyle is absorbing everything coming in. The figure this calculator produces is most useful when you compute it repeatedly and watch the direction.
Valuing assets honestly
The most common mistake in calculating net worth is over-valuing assets. A car is worth what someone would pay for it today, not what you paid new — vehicles typically lose a fifth of their value the moment they are driven off the lot and continue depreciating. A home is worth its realistic sale price minus the costs of selling, not the optimistic figure from a listing site. Investments should be marked at current value, and collectibles at what they would actually fetch, which is usually far less than insurance estimates.
Liabilities, by contrast, are easy to underestimate by forgetting some. The mortgage is obvious, but student loans, car finance, credit-card balances, buy-now-pay-later plans, tax owed, and money borrowed from family all count. An honest net worth includes every debt at its full outstanding balance. Erring toward conservative asset values and complete liability figures gives a number you can trust, which is the whole point of computing it.
Liquid net worth and the debt-to-asset ratio
Not all net worth is equally useful in an emergency. A person whose wealth is almost entirely tied up in a house has a high net worth but little that can be spent quickly — property is illiquid, taking months to sell. That is why liquid net worth, counting only cash and readily sold investments, is worth watching alongside the headline figure. It answers a different question: not how wealthy are you, but how much could you actually access soon.
The debt-to-asset ratio adds another lens. It expresses total liabilities as a percentage of total assets, and it measures leverage — how much of what you own is really financed by borrowing. A ratio comfortably below 50% is generally healthy; a high ratio means a fall in asset values could wipe out your equity, as many homeowners discovered when house prices dropped. Together, net worth, liquid net worth, and the debt ratio give a rounded picture that any one of them alone would miss.
Questions fréquentes
How do I calculate my net worth?
Add up the current market value of everything you own — cash, investments, property, vehicles, valuables — then subtract everything you owe, including mortgage, loans, and credit-card balances. The difference is your net worth. It can be negative, which is normal early in life.
Is a negative net worth bad?
Not necessarily. Many people have negative net worth early on because student loans or a fresh mortgage outweigh their assets. What matters is the trend: a net worth moving steadily upward over time is the sign of healthy finances, even if it starts below zero.
Should I include my home in net worth?
Yes — include the home's current market value as an asset and the outstanding mortgage as a liability; the difference is your home equity. Just remember property is illiquid, so also track liquid net worth (cash plus investments) for a sense of what you could access quickly.
What is a good debt-to-asset ratio?
Lower is safer. A ratio comfortably below 50% means most of what you own is truly yours rather than financed by debt. A high ratio signals heavy leverage, where a drop in asset values could erase your equity. It naturally falls over time as loans are paid down.