Net Worth Calculator
Calculate your net worth instantly with ThisCalc's free personal balance sheet tool.
Last reviewed: June 2026Assets
$0Cash & Savings
$0Investments
$0Property
$0Vehicles
$0Other Assets
$0Liabilities
$0Mortgage
$0Auto Loans
$0Student Loans
$0Credit Cards
$0Other Debts
$0Quick Answer
Your net worth is the total value of everything you own (assets — cash, investments, home, vehicles) minus everything you owe (liabilities — mortgage, loans, credit-card balances). For example, $350,000 in assets and $200,000 in debts is a net worth of $150,000. Enter your assets and liabilities above to see your total and track it over time.
About the Net Worth Calculator
Net worth is a personal balance sheet: assets minus liabilities. Assets are what you own. Liabilities are what you owe. The calculator adds each asset category, adds each debt category, subtracts liabilities from assets, and reports total assets, total liabilities, net worth, debt-to-asset ratio, solvency ratio, and category breakdowns.
Investor.gov describes a net worth statement as a way to look honestly at what you own and what you owe. FINRA recommends calculating net worth as part of a financial foundation because it can help you set investment goals, judge risk tolerance, and track progress over time. This page follows that same basic balance-sheet approach and keeps the arithmetic in your browser.
How to Use the Calculator
- Enter cash balances, savings accounts, brokerage accounts, retirement accounts, home value, vehicle value, and other assets.
- Enter mortgage balances, auto loans, student loans, credit cards, personal loans, and other debts.
- Use fair market values when possible. A home estimate, current account statement, payoff balance, or vehicle market estimate is usually better than the original purchase price.
- Review the ratios and category breakdowns to see whether debt is concentrated in one area.
- Optionally enter age to compare your result with the page's broad age-band benchmark table.
Understanding the Ratios
The debt-to-asset ratio is total liabilities divided by total assets. A lower ratio means less of your asset base is financed by debt. The solvency ratio is net worth divided by total assets. A higher solvency ratio means more of what you own is actually yours after debts are subtracted. These are simple household indicators, not underwriting rules, and they should be interpreted with context.
For example, a household with a mortgage may have a higher debt-to-asset ratio than a renter but also own an appreciating asset. A recent graduate may have negative net worth while income is rising and debt is being paid down. A retiree may have high net worth but limited monthly cash flow. Net worth is useful because it is measurable, but it should be paired with cash flow, emergency savings, insurance, and debt cost.
Default Example
The default entries model $453,000 in assets and $320,500 in liabilities, producing a net worth of $132,500. The largest asset is the home value, and the largest liability is the mortgage. The debt-to-asset ratio is 70.8%, and the solvency ratio is 29.2%. Those numbers are not a recommendation; they are a starting example that shows how the categories interact.
Ways to Add Value to the Result
Update the same worksheet on a schedule and save the totals outside the browser. Track at least total assets, total liabilities, and net worth. If net worth is flat while income is steady, the category breakdown can show whether the issue is spending, market declines, added debt, or asset values. If net worth is rising but cash is tight, review liquidity and emergency savings rather than only the headline number.