Your net worth is the clearest single number for your finances: total assets − total liabilities. Add up everything you own at current value — cash, investments, property — and subtract everything you owe — mortgage, loans, credit cards. This calculator gives your net worth plus the totals and your debt-to-asset ratio, so you can see both the dollar gap and how leveraged you are.
Reviewed: June 20, 2026 · Author: Naveen P N, Founder — AI Calculator · Verified against: the net-worth identity, recomputed in code. Informational, not financial advice.
The net worth identity
It's simple addition and one subtraction, but the discipline of listing everything is the point. Value assets at what they'd sell for today and debts at their current payoff balance. A positive number means you own more than you owe; the debt-to-asset ratio shows what share of your assets is still financed. Watching the trend — quarter to quarter — is the real measure of progress.
Worked example
Scenario: a typical household balance sheet.
Adding $5,000 cash, $20,000 investments, a $300,000 home and $10,000 of other assets gives $335,000. Against a $250,000 mortgage and $20,000 of other debts ($270,000), the net worth is $65,000, a debt-to-asset ratio of about 80.6%. Pay down the mortgage or grow the investments and both numbers improve — net worth rises, the ratio falls.
Frequently Asked Questions
Total assets − total liabilities. $335,000 owned − $270,000 owed = $65,000. The clearest snapshot of your finances.
Assets: cash, investments, property, vehicles, valuables. Liabilities: mortgage, loans, credit cards, student debt.
It means you owe more than you own — common early on with loans. Aim to grow it positive; the trend matters most.
Liabilities ÷ assets, as a %. 80% means debts equal 80% of what you own. Lower is generally healthier.
Quarterly or yearly is plenty. The value is the trend — is it rising? — not any single reading.