Net Worth Calculator
Tally your net worth: six asset categories minus five debt categories, with home and non-home wealth separated and your debt-to-asset ratio alongside.
Net worth
Total assets minus total liabilities. Negative is common early on.
$86,000.00
- Total assets
- $112,000.00
- Total liabilities
- $26,000.00
- Net worth excluding home equity
The wealth you could deploy without selling or borrowing against the house.
- $86,000.00
- Debt-to-asset ratio
Liabilities as a share of assets. Under 50% is a common comfort zone; over 100% means negative net worth.
- 23.21%
Sends your net worth to the percentile calculator to rank it among US households.
The full tally
| Item | Amount |
|---|---|
| Cash and savings | $15,000.00 |
| Investments (brokerage) | $25,000.00 |
| Retirement accounts | $60,000.00 |
| Home value | $0.00 |
| Vehicles | $12,000.00 |
| Other assets | $0.00 |
| Mortgage balance | -$0.00 |
| Auto loans | -$8,000.00 |
| Student loans | -$15,000.00 |
| Credit card debt | -$3,000.00 |
| Other debts | -$0.00 |
| Net worth | $86,000.00 |
Quick answer: With the example inputs this page loads by default, the headline result (Net worth) comes to $86,000.00. Tally your net worth: six asset categories minus five debt categories, with home and non-home wealth separated and your debt-to-asset ratio alongside. Change any input above and every figure updates instantly in your browser.
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Fact-check: results on this page are verified against an independently coded reference oracle that covers all 106 calculators on this site. See how we verify .
Net worth is one subtraction: everything you own minus everything you owe. Add up cash, investments, retirement accounts, home value, and vehicles, then subtract the mortgage, loans, and card balances. The number can be negative early on, which is normal with student debt. This calculator does the tally and separates home equity from the wealth you can actually deploy.
What this result means
Track the direction, not the level: net worth measured quarterly tells you whether your money decisions are compounding or leaking, and it is the single best scoreboard for debt payoff, since every extra payment moves it dollar for dollar. The excluding-home figure deserves attention because home equity is real wealth you cannot spend without moving or borrowing. To see where the number stands among US households, send it to the net worth percentile calculator. A negative result with a degree and a payoff plan behind it is a starting line, not a verdict.
Assumptions
- Net worth is total assets minus total liabilities, valued at today's market prices: what your home and cars would sell for now, not what you paid, and what you owe now, not the original loan amounts.
- Retirement accounts count at their full balance even though pre-tax withdrawals will owe income tax later; that is the standard household-balance-sheet convention (the Federal Reserve's Survey of Consumer Finances counts them the same way). Pensions and Social Security, which are income streams rather than balances, are conventionally excluded.
- The excluding-home figure subtracts home equity (home value minus mortgage) to show the wealth you could reach without selling or borrowing against your residence.
- Empty categories simply stay at zero; the five debt slots and six asset slots cover the common household balance sheet, and anything unusual fits the other-assets and other-debts lines.
- This is a snapshot, not advice. The number is most useful tracked over time on a consistent method; the net worth percentile calculator puts it in context against US households.
Key terms
Definitions for the terms this calculator uses, in our finance glossary .
How it works
Net worth is the household balance sheet reduced to one number: total assets minus total liabilities, everything valued at today’s market prices.
The asset side counts cash and savings, brokerage investments, retirement accounts at full balance (the Federal Reserve’s Survey of Consumer Finances convention, even though pre-tax withdrawals owe tax later), home value at what it would sell for, vehicles at resale value, and anything else of market value. The liability side counts the mortgage, auto and student loans, carried credit card balances, and other debts at their current payoff amounts.
Two derived views add context. Net worth excluding home equity strips out home value minus mortgage, showing the wealth you could deploy without selling or borrowing against your residence. The debt-to-asset ratio divides liabilities by assets; over 100 percent means net worth is negative.
Worked example
A renter with $15,000 cash, $25,000 in a brokerage account, $60,000 in retirement accounts, and a $12,000 car, owing $8,000 on the car, $15,000 in student loans, and $3,000 on cards.
- Assets: $112,000. Liabilities: $26,000.
- Net worth: $86,000, with a debt-to-asset ratio of 23.21 percent.
Add a $450,000 home with a $300,000 mortgage and net worth rises to $236,000, while the excluding-home figure stays at $86,000, the equity is real but locked in the walls.
Scope and limitations
A snapshot at the values you enter; the tool does not look prices up. Pensions and Social Security, which are income streams rather than balances, are conventionally excluded, as are future taxes on pre-tax accounts. The number is most useful tracked over time on a consistent method, and the net worth percentile calculator places it among US households. Not financial advice.
Sources
Frequently asked questions
- What counts as an asset in a net worth calculation?
- Anything you own that has market value: cash and bank balances, investment and retirement accounts, your home and vehicles at current resale value, business equity, and valuables. Income does not count; net worth measures the stock of wealth, not the flow. A high earner with high spending can have a lower net worth than a modest earner who saves.
- Is my net worth bad if it is negative?
- It is common, especially early: student loans against a young career often mean negative net worth in your twenties. The number matters less than its direction, and the same debt that makes it negative usually financed the earning power that will turn it positive. Track it quarterly and watch the trend.
- Should I include my home in net worth?
- Yes, at market value, with the mortgage on the liability side; the equity between them is real wealth. But this calculator also shows net worth excluding home equity, because you cannot spend the house without selling or borrowing against it, and many planning decisions run on the deployable number.
- Do retirement accounts count even though I cannot touch them yet?
- Yes, at full balance. Access restrictions and future taxes do not change the fact that the money is yours; the standard convention (used by the Federal Reserve's household surveys) counts them fully. If you want a conservative view, mentally discount pre-tax balances by your expected retirement tax rate.
- How does my net worth compare to other people?
- The Federal Reserve's Survey of Consumer Finances publishes the distribution: the US median household net worth is far below the average, because the average is pulled up by the wealthiest households. Send your number to the net worth percentile calculator to see where it lands by age group.
Related calculators
Learn how this works
New to this topic? Our companion guide explains it in plain language: Average and Median Net Worth by Age: How Do You Compare?
By Sam Sage Last reviewed .