Net Worth Calculator
Calculate your net worth by totaling assets and subtracting liabilities. Track investments, property, cash, retirement accounts, debts, and mortgages. Monitor your financial health over time.
Total Assets
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Total Liabilities
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Net Worth
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Assets
Cash & Cash Equivalents
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Investments
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Retirement Accounts
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Property & Other Assets
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Liabilities
Secured Debt
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Unsecured Debt
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Why Use Net Worth Calculator?
Your net worth is a snapshot of your financial health - the difference between what you own and what you owe. Tracking it over time shows whether you're building wealth or accumulating debt. Use this calculator regularly to measure progress toward financial goals, identify areas for improvement, and maintain motivation on your wealth-building journey.
Frequently Asked Questions
What is a good net worth?
A healthy target is having a net worth equal to your annual income by age 30, doubling each decade. But context matters - focus on consistent growth rather than comparing to others. Any positive net worth that's increasing over time is a good sign.
Should I include my home value?
Yes, include your home's current market value as an asset and your mortgage balance as a liability. While you can't easily access home equity, it's still part of your net worth. For a conservative estimate, use a realistic sale price minus selling costs.
How often should I calculate net worth?
Monthly or quarterly is ideal. This frequency captures meaningful changes without causing stress over short-term fluctuations. Many people track net worth at the start of each quarter or year to measure progress.
What's a good debt-to-asset ratio?
Generally, below 50% is considered healthy. Under 30% is excellent. A ratio over 100% means you owe more than you own - prioritize debt reduction. Lower ratios indicate better financial stability and more flexibility.
How do I increase my net worth?
Two strategies: grow assets (save more, invest wisely) and reduce liabilities (pay off debt). Focus on high-interest debt first. Automate savings. Avoid lifestyle inflation as income grows. Small consistent actions compound over time.