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Net worth calculator

List what you own and what you owe. The calculator shows your net worth, the breakdown by asset type, the debt-to-asset ratio and how net worth grows with savings, returns and debts being paid off.

Educational simulation. Not investment advice. Results are estimates based on the data you enter and do not replace advice from a qualified professional.

Reviewed on Nov 1, 2026

Example: a household with a mortgage, a car loan, investments and a retirement account.

What you own

Types: cash, investments, real estate, vehicle or other.

What you owe

Projection

Your inputs stay only on this browser and are not sent anywhere. Untick to delete them.

—Net worth today
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Net worth breakdown

Assets by type, debts (in red) and the net worth left.

Tap the chart to see the values.

Projected growth

Assets, debts and net worth at the end of each year, in nominal terms.

Tap the chart to see the values.

Year by year

Year-end values, not adjusted for inflation.

Next step

Take this page’s results to another calculator with the fields already filled in.

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The summary lists your inputs, results, formulas, assumptions and sources. The full report also includes the charts and interpretations, in color. In the print dialog, choose Save as PDF.

Method, assumptions and sources

Formulas

Net worth = Σ assets − Σ debt balances; debt-to-asset ratio = Σ debts ÷ Σ assets
Debt each month: balance = balance × (1 + j) − payment, with j = (1 + yearly rate)^(1/12) − 1
Cash and investments each month: balance × (1 + i) + contribution + freed-up payments; real estate × (1 + monthly growth); vehicles × (1 + monthly change)
In today’s money = nominal value ÷ (1 + inflation)^years

Assumptions and limits

  • Constant rates and nominal values; cash and investments earn the same rate; other assets keep a constant value. No taxes on returns, selling costs, renovations or new debt. Payments from debts that are paid off are invested.
  • Debt-ratio bands (30% and 50%) are personal finance guidelines, not standards.

Official sources and references

Frequently asked questions

What is net worth?

The sum of everything you own (cash, investments, real estate, vehicles and other assets) minus everything you owe (mortgage, loans, credit cards). It shows what would be left if you sold everything and paid off every debt.

How do I read the example result?

The household owns $539,000 and owes $324,500: net worth is $214,500 and the debt-to-asset ratio is 60.2%. Investing $1,000 a month at 7% a year and keeping current payments, net worth reaches about $834,000 in 10 years, $621,000 in today’s money.

What value should I use for my home and car?

What you could sell them for today, not what you paid. For cars, check used-car pricing guides; for homes, recent sales of similar homes nearby. It is better to estimate low than to overstate your net worth.

Why the loan balance and not the sum of payments?

Because the sum of payments includes interest that does not exist yet. If you paid off today, you would pay the balance on your statement. With the payment and the rate, the calculator projects when each debt ends.

What is a high debt-to-asset ratio?

Below 30% is comfortable; 30% to 50% deserves attention; above 50%, more than half of what you own still belongs to lenders. Right after buying a home the ratio is often high and falls over time.

What does the projection assume?

Constant rates: cash and investments earn the rate entered and receive your monthly amount plus payments from debts that end; homes grow and vehicles lose value at the percentages you enter. Values are nominal; the card also shows the amount in today’s money.

How often should I calculate it?

Once a year, at the same time, with updated values, is enough. The trend is what matters: if net worth is not growing, review your budget. For decisions such as paying down debt versus investing, a financial planner can help.

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Net worth: how to calculate and track it

Net worth is everything you own minus everything you owe. It is the scoreboard of your financial life: a high income does not help much if net worth does not grow from year to year.

1. List assets at selling value

Add cash, savings, brokerage and retirement accounts, home equity, vehicles and other valuable assets. Use what you could sell them for today, not what you paid: a car bought for $30,000 three years ago may be worth $22,000.

2. List debts at their balance

Mortgages, car loans, student loans and credit card balances go in at the remaining balance shown on your statement, not the sum of future payments (which includes future interest).

3. Calculate and interpret

In the example, the household owns $539,000 and owes $324,500: net worth is $214,500 and the debt-to-asset ratio is 60.2%, high because of the mortgage. Investing $1,000 a month and keeping current payments, net worth reaches about $834,000 in 10 years, or $621,000 in today’s money.

4. Redirect freed-up payments

When a debt is paid off, keep setting aside that payment and invest it. In the example, the credit card balance is paid off in 10 months, the car loan in 2 years and 11 months and the student loan in 7 years and 4 months.

5. Check once a year

Redo the math every year at the same time with updated values. The trend is what matters: net worth rising steadily means your budget is working.