$515,000 of assets and $320,000 of debts
Net worth of $195,000, or $125,000 without the home and mortgage.
Net worth calculator
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Assets at what they would sell for today and debts at the balance still owed. Leave any line at zero if it does not apply.
15 thousand
50 thousand
80 thousand
350 thousand
20 thousand
280 thousand
12 thousand
25 thousand
3 thousand
Net worth
$195,000
$515,000 in assets minus $320,000 in debts. Debts are 62.1% of what you own. Without your home, net worth is $125,000.
- Total assets
- $515,000
- Total debts
- $320,000
- Debt to assets
- 62.1%
- Liquid assets
- $65,000
Assets$515,000
Debts$320,000
Net worth$195,000
Your net worth in one sum
Net worth is the clearest single summary of your finances. Income shows what comes in each month; net worth shows what is left once everything you own is set against everything you owe.
Take someone with $15,000 in savings, $50,000 in a brokerage account, $80,000 in a 401(k), a $350,000 home and a car worth $20,000. That is $515,000 of assets. Against it sit a $280,000 mortgage, a $12,000 car loan, $25,000 of student loans and $3,000 on credit cards, which is $320,000 of debt. Net worth is $195,000.
The home is the biggest line on both sides. Leaving it out, and the mortgage with it, gives $125,000, which is closer to what could be used in an emergency or in retirement without moving house. Liquid assets, cash plus investments, are $65,000.
Use honest values. A car is worth what a dealer would pay, and a home what it would sell for after fees. Update the figures every six or twelve months; the change from one year to the next tells you more than the number itself.
Sources
What this calculator does not account for
- Only as good as the values you enter.
- Selling costs on a home or car are not taken off.
How this is calculated
Formula: Net worth
net worth =total assets − total debtsWhat the symbols mean
- assetsCash, investments, retirement accounts, home and car at today's value.
- debtsMortgage, car loans, student loans, credit cards and any other money owed.
Good to know
- Net worth can be negative, which is common early in a career with student loans.
- Tracking it once or twice a year shows the trend better than any single figure.
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Worked examples
Each example is worked out by the same code as the calculator above.
Debt-to-asset ratio in that example
62.1%.
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<iframe src="/embed/net-worth-calculator" title="Net worth" width="100%" height="720" style="border:0;max-width:42rem" loading="lazy"></iframe>Questions
How do I calculate my net worth?
Add up the value of everything you own, add up everything you owe, and subtract the second from the first.
Should I include my home in net worth?
Yes, at a realistic sale price, with the mortgage as a debt. The tool also shows the figure without the home, because you cannot spend it without selling.
Do I include my car?
Yes, at what it would sell for today, not what you paid. Cars lose value quickly.
Is a negative net worth bad?
Not on its own. Many graduates start negative because of student loans. What matters is that it rises over time.
What is a good net worth for my age?
A common rule of thumb is age × income ÷ 10. Compare it with your own past figures rather than with other people.