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Running the numbers securely in your browser.
Running the numbers securely in your browser.
Net worth $225,000 — assets $485,000 minus liabilities $260,000. Debt-to-asset ratio 53.6%.
Change any of the inputs below to run the numbers for your own situation.
Enter your assets and liabilities for a complete financial snapshot. No account linking. 100% private.
✅ Assets
$193,000❌ Liabilities
$254,500Add your age to see how your net worth compares with US households in your age group.
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List all your assets (cash, investments, retirement accounts, real estate, vehicles) and all your liabilities (mortgage, car loans, student loans, credit card balances). The calculator computes your total net worth and shows the breakdown visually.
Track your net worth over time — it's the single best measure of overall financial health. Aim to calculate it at least quarterly.
Your net worth — total assets minus total liabilities — is the most comprehensive snapshot of your financial health. Unlike income alone, net worth captures savings, investments, debt, and property ownership in a single number.
The formula from the book The Millionaire Next Door suggests your expected net worth should be: (Age × Pretax Income) / 10. A 40-year-old earning $80,000/year should have a net worth of at least $320,000. Those above this are "prodigious accumulators of wealth" (PAWs); those below are "under accumulators" (UAWs).
Liquid assets: Checking/savings accounts, money market funds, CDs. Investments: Brokerage accounts, retirement accounts (401k, IRA, Roth), HSA. Property: Home equity (current market value minus mortgage balance), rental properties, land. Other: Business ownership value, vehicles (use Kelley Blue Book value), valuable personal property.
Mortgage balance, student loans, auto loans, credit card balances, personal loans, medical debt, and any other amounts owed. Use current outstanding balances, not original loan amounts.
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