How often should I calculate net worth?

Monthly or quarterly is common. Use consistent intervals to track progress and trends.

Should I include cars or valuables as assets?

You can, but use realistic resale values. Some people omit depreciating assets to stay conservative.

What debt should I include?

All obligations: mortgages, HELOCs, auto/student/personal loans, credit cards, and other liabilities.

Does this account for taxes or liquidity?

No. This is a snapshot. It does not adjust for taxes on withdrawals or liquidity constraints.

Why track debt-to-asset ratio?

It shows leverage; lower ratios usually mean less risk. Use it to gauge progress as you pay down debt or grow assets.

finance calculator

Net Worth Calculator

Sum assets and debts to see your net worth and debt-to-asset ratio.

Results

Total assets: $495,000 USD
Total debt: $304,000 USD
Net worth: $191,000 USD
Debt-to-asset ratio: 61.41%

How to use this calculator

Enter each asset bucket: cash, investments, retirement, and property value.
Enter each liability: mortgage, loans, credit cards, and other debt.
Review totals for assets, debts, net worth, and debt-to-asset ratio.

Inputs explained

Cash & savings: Checking, savings, and cash equivalents.
Investments/brokerage: Taxable brokerage accounts, stocks, ETFs, etc.
Retirement accounts: 401(k), IRA, Roth, pension balances.
Home/other property value: Estimated market value of real estate you own.
Mortgage balance: Total principal owed on mortgages.
Loans (auto/student/etc.): Outstanding balances on installment loans.
Credit cards: Current statement balances or revolving debt.
Other debt: Any additional obligations not listed above.

How it works

Total assets = cash + investments + retirement + property.

Total debt = mortgage + loans + credit cards + other debt.

Net worth = assets − debt. Debt-to-asset ratio = debt ÷ assets.

Formula

Assets = Σ asset buckets
Debt = Σ debt buckets
Net worth = Assets − Debt
Debt/Asset = Debt ÷ Assets

When to use it

Baseline your net worth for yearly or quarterly tracking.
See how debt payoff or market gains affect your debt-to-asset ratio.
Prep for financial planning conversations or mortgage applications.

Tips & cautions

Update periodically (monthly/quarterly) to see progress trends.
Use conservative property values; use statement balances for debts.
Track debt-to-asset ratio to gauge leverage and risk tolerance.
Does not model taxes, liquidity, or appreciation/depreciation.
Uses self-reported estimates; for formal reporting use verified statements.

Worked examples

Defaults: cash $15k, investments $50k, retirement $80k, property $350k

Assets ≈ $495k
Debt ≈ $304k
Net worth ≈ $191k
Debt/asset ≈ 61%

$200k assets, $40k debt

Net worth = $160k
Debt/asset = 20%

Deep dive

This net worth calculator sums your assets and debts to show net worth and debt-to-asset ratio. Plug in cash, investments, retirement, property, plus all liabilities to get a clean snapshot.

Use it for periodic check-ins, planning debt payoff, or understanding leverage before a mortgage or refinance. Keep inputs up to date with statement balances for the most accurate picture.

FAQs

How often should I calculate net worth?: Monthly or quarterly is common. Use consistent intervals to track progress and trends.
Should I include cars or valuables as assets?: You can, but use realistic resale values. Some people omit depreciating assets to stay conservative.
What debt should I include?: All obligations: mortgages, HELOCs, auto/student/personal loans, credit cards, and other liabilities.
Does this account for taxes or liquidity?: No. This is a snapshot. It does not adjust for taxes on withdrawals or liquidity constraints.
Why track debt-to-asset ratio?: It shows leverage; lower ratios usually mean less risk. Use it to gauge progress as you pay down debt or grow assets.

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For a quick estimate only. Use account statements for precise totals. Not financial advice.