Net worth calculator: total assets minus liabilities → net worth, debt-to-asset ratio, and equity ratio with a visual breakdown.
How it works
Net worth is what you own minus what you owe—a snapshot balance sheet, not your monthly cash flow. Example: $185,000 in assets (home equity, investments, cash) minus $92,000 in liabilities (mortgage, loans, cards) = $93,000 net worth. Your debt-to-asset ratio is about 50%, meaning half your asset base is backed by debt; equity ratio is the other half at ~50%.
Frequently asked questions
Should I include my home at market value?
Most people use current market value for the home as an asset and the remaining mortgage as a liability—net equity counts toward net worth. Some planners also track "investable net worth" excluding primary residence to measure retirement readiness separately.
What is a healthy debt-to-asset ratio?
There is no single number—context matters. Under 30% often feels conservative; 50%+ is common for homeowners with a mortgage. Watch the trend: rising debt with flat assets is a warning; falling ratio while net worth grows is usually healthy progress.
How often should I update net worth?
Monthly or quarterly is enough for most people—align with when statements close. Daily tracking adds noise from market swings; the goal is direction over time, not precision to the dollar every week.