Net Worth Tracker: Assets Minus Liabilities
Calculate your personal net worth by entering your assets and liabilities. Net worth is the difference between everything you own and everything you owe.
Assets
Liabilities
...
Formula
Total Assets = Cash & Savings + Investments & Retirement + Real Estate + Vehicles + Other Assets
Total Liabilities = Mortgage + Car Loans + Student Loans + Credit Card Debt + Other Liabilities
Net Worth = Total Assets − Total Liabilities
Debt-to-Asset Ratio = (Total Liabilities ÷ Total Assets) × 100
Assumptions & References
- All values are entered in current market value (not original purchase price) for assets.
- Liabilities represent outstanding balances owed, not original loan amounts.
- A positive net worth indicates assets exceed liabilities; negative means you owe more than you own.
- A debt-to-asset ratio below 50% is generally considered healthy by personal finance standards.
- Retirement accounts (e.g., 401k, IRA) are included at current balance; taxes on withdrawal are not factored in.
- Real estate is entered at estimated current market value, not assessed or purchase value.
- This calculator does not account for inflation, depreciation, or future income/expenses.
- Reference: Investopedia — Net Worth (assets minus liabilities as the standard definition).
- Reference: Federal Reserve — Survey of Consumer Finances uses this same methodology for household net worth.