Net Worth Calculator
Add up everything you own, subtract everything you owe. Edit the defaults or add your own items.
Frequently Asked Questions
How do I calculate net worth?
Net worth = total assets minus total liabilities. Assets include cash, investments, retirement accounts, real estate, and vehicles. Liabilities include mortgages, loans, credit card balances, and any other debt.
Should I include my home in net worth?
Yes, include your home at its current market value as an asset, and include your remaining mortgage balance as a liability. The difference is your home equity, which is part of your net worth.
What is a good debt-to-asset ratio?
A debt-to-asset ratio below 50% is generally healthy. Below 30% is excellent. Above 50% means more than half of what you own is financed by debt, which can be risky if income drops or asset values fall.
How often should I check my net worth?
Quarterly is a good cadence for most people. Monthly can create anxiety over short-term market swings. The trend over years matters more than any single snapshot.
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