Net Worth Calculator

Net worth is the single most complete snapshot of personal financial health: it's everything you own minus everything you owe, at a single point in time. This calculator adds up five asset categories -- Cash & Savings, Investments, Real Estate Value, Vehicle Value, and Other Assets -- into Total Assets, adds up five liability categories -- Mortgage Balance, Student Loans, Car Loans, Credit Card Debt, and Other Debts -- into Total Liabilities, and subtracts the second from the first to get Net Worth. Every asset category raises Net Worth dollar-for-dollar and every liability category lowers it dollar-for-dollar, since the formula is pure addition and subtraction with no weighting or adjustment applied to any single category.

Debt-to-Asset Ratio expresses Total Liabilities as a percentage of Total Assets, which is a useful leverage indicator independent of the absolute dollar amounts involved -- two households with very different net worth figures can carry the same debt-to-asset ratio, meaning they're equally leveraged relative to their own size even though their dollar exposure differs enormously. A positive and growing Net Worth over time, tracked by re- entering updated figures periodically, is the standard way to measure whether saving, investing, and debt paydown are outpacing new borrowing and asset depreciation -- this calculator only computes a single snapshot, so the trend requires updating and comparing the inputs over multiple sessions, which it does not do automatically.