— Budgeting
Net Worth Calculator
Calculate net worth: assets minus debts. Enter accounts, property, investments, loans, and other liabilities to see total assets, total debts, liquid and investable net worth, debt-to-asset ratio, and projected wealth trend.
Net worth
$313,000
- Total assets
- $610,000
- Total liabilities
- $297,000
- Net worth status
- Positive and low-leverage — healthy
- Liquid net worth
- $-127,000
- Investable net worth
- $165,000
- Debt-to-asset ratio
- 48.69%
- Liquid assets
- $170,000
- Projected net worth (10 yr)
- $781,516
Try: Typical homeowner, Renter, building wealth, Negative net worth, With a 15-year projection
— Assets, liabilities & net worth
| Item | Amount | Share |
|---|---|---|
| Cash & bank | $20,000 | 3.28% |
| Investments | $150,000 | 24.59% |
| Real estate | $400,000 | 65.57% |
| Vehicles | $25,000 | 4.1% |
| Gold, jewelry & other | $15,000 | 2.46% |
| Total assets | $610,000 | 100% |
| Home loan / mortgage | $280,000 | 94.28% |
| Vehicle loan | $12,000 | 4.04% |
| Credit-card debt | $5,000 | 1.68% |
| Total liabilities | $297,000 | 100% |
| Net worth | $313,000 | 0% |
— Your balance sheet
Download— How it works
Net worth = total assets − total liabilities. Liquid net worth = cash and investments − all debt. Investable net worth = liquid assets − unsecured debt. Debt-to-asset ratio = liabilities ÷ assets. The projection compounds net worth at the expected return with annual savings added.
What net worth tells you
Add up everything you own at its current value — cash, investments, property, vehicles, valuables — and subtract everything you owe — mortgage, loans, credit-card balances. The difference is your net worth, the truest single gauge of your financial position. A high income means little if it all goes out the door; net worth captures what you’ve actually kept and built. It can be negative, especially early in life when student loans or a new mortgage outweigh assets, and that’s normal — what matters is the direction of travel.
Worked example — $610,000 of assets against $297,000 of debt: Net worth = $610,000 − $297,000 = $313,000. With 49% debt-to-assets it’s a healthy, low-leverage position — though only $170,000 of it is liquid.
Liquid, investable, and the leverage check
The headline figure hides important nuance the breakdown reveals. Liquid net worth counts only cash and investments against your debts — what you could actually lay hands on in a hurry, since you can’t spend a slice of your house. Investable net worth goes further, stripping out unsecured debts you’d clear first, to show the surplus genuinely free to put to work. The debt-to-asset ratio measures leverage: under 40% is comfortable, over 70% stretched. And the liquid-versus-illiquid split warns you if your wealth is dangerously tied up in property and possessions you can’t easily sell.
Tracking and projecting
A single net-worth figure is a photograph; the value is in the film. Calculate it the same way every few months and watch the trend — a steady climb means your finances are compounding in the right direction. The projection shows where you’re headed: it grows your net worth at an expected return and adds your annual savings, so you can see the long arc of consistent saving and investing. It’s a simplification — it assumes a steady return on the whole balance and doesn’t model house-price swings or car depreciation precisely — and the inflation line reminds you that future figures buy less than today’s. Enter assets at honest market value, not what you paid or hope to get. Not financial advice.
— Reader questions
How do I calculate my net worth?
Add up the current value of everything you own — cash, investments, property, vehicles, valuables — then subtract everything you owe, like your mortgage, loans and credit-card balances. The result is your net worth. It can be positive or negative.
What is liquid net worth?
The part of your net worth you could access quickly: cash and investments, minus your debts. It excludes illiquid assets like your home and car, which you can’t easily or quickly convert to cash, so it’s a more conservative measure of available wealth.
What is a good debt-to-asset ratio?
Liabilities divided by assets. Under 40% is generally comfortable, 40–70% is moderate, and above 70% is highly leveraged — a larger share of what you own is financed by debt, leaving less cushion if asset values fall.
Should I include my home and mortgage?
Yes — include the home’s current market value as an asset and the outstanding mortgage balance as a liability. The difference is your home equity, which counts toward net worth (though it’s illiquid, so it doesn’t lift your liquid net worth).
Is a negative net worth bad?
Not necessarily — it’s common early on, when student loans or a fresh mortgage outweigh what you’ve saved. What matters is the trend: as you pay down debt and build assets, it climbs. A persistently falling net worth is the real warning sign.