Net Worth Calculator
Add up everything you own and everything you owe to get your true net worth (the single clearest number for your financial health), plus your debt-to-asset ratio and what it means.
What you own (assets)
Total assets$315,000
What you owe (liabilities)
Total liabilities$204,000
Your net worth
$111,000
You own more than you owe: you have positive net worth. Keep it climbing.
Assets vs. liabilities
Total assets$315,000
Total liabilities$204,000
Debt-to-asset ratio65%
High leverage: debt is a large share of your assets. Prioritise paying it down.
A snapshot for education only. Use current market values for property and investments, and payoff balances for debts.
Related guides
Methodology
How this calculator works
Built by Andrés Soler · Updated
Formula
- Net worth = total assets − total liabilities
- Debt-to-asset ratio = total liabilities ÷ total assets
Assumptions & limits
- Use current market values (what you could sell for today), not what you paid.
- Ratio bands: under 30% is low leverage, 30–60% moderate, over 60% high.
Educational estimates, not financial advice. Check important decisions with your lender or a licensed advisor.
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