Net Worth Calculator (assets minus debts)

How it works

Net worth = total assets − total debts. Assets are what you could sell at today’s value (home, car, cash, investments, retirement accounts); debts are every balance you still owe. Home equity = home value − mortgage. The debt-to-asset ratio = debts ÷ assets. Use realistic sale values — a car is worth what it would sell for, not what you paid. A rented home’s deposit can go under cash.

⚠ Estimates for information only — not financial advice.

FAQ

Is negative net worth bad?

It is common early in life, especially with student loans or a new mortgage. What matters is the direction: track it every few months and watch it rise.

Should my home count?

Yes, at a realistic sale value, but you need somewhere to live, so the “without your home” figure shows the wealth you could actually use.

Checked 11 Nov 2026. Household balance-sheet definition used by the US Federal Reserve Survey of Consumer Finances: net worth = total assets − total debts.