How to use the net worth calculator
Enter the current value of everything you own and the balance of everything you owe. Leave any line that doesn't apply empty. Use realistic market values: what your home or car would sell for today, not what you paid.
Net worth formula
Net worth = Total assets − Total debts
Debt-to-asset ratio = Total debts ÷ Total assets × 100
Worked example
Assets: 12,000 cash, 35,000 investments, 60,000 retirement savings, a 350,000 home and a 15,000 car = 472,000.
Debts: a 240,000 mortgage, an 8,000 car loan and 2,500 on credit cards = 250,500.
Net worth = 472,000 − 250,500 = 221,500. The debt-to-asset ratio is 53.07%.
Making sense of your number
- Watch the trend more than the number. Rising net worth means you're saving more or paying down debt faster than you borrow.
- Your home often makes up most of it, but you can't spend it without selling, so the calculator also shows your net worth without it.
- High-interest debt such as credit cards usually costs more than savings earn, so paying it off raises net worth fastest.
Plan the monthly side with the budget calculator.
Frequently asked questions
Should I include my car?
Yes, at what it would sell for today. Cars lose value quickly, so update it each time.
Do I include my pension?
Include retirement accounts with a current balance. A pension that pays a set income isn't easy to value, so many people leave it out or note it separately.
Formulas checked 29 October 2026. How we test our calculators. This calculator is for planning and education, not financial, tax or legal advice.