Net Worth Calculator: Assets Minus Liabilities

How to use the calculator

Cash: checking, savings, money market accounts and CDs.
Investments: taxable brokerage accounts, stocks, bonds, funds and similar holdings at today's market value.
Retirement accounts: 401(k), 403(b), IRA, Roth IRA and similar balances from your latest statements.
Home: a realistic estimate of what your home would sell for, not what you paid.
Vehicles: current resale value, which is usually well below the purchase price.
Other assets: other real estate, business interests, or valuables you could actually sell.
Liabilities: the current payoff balance of each debt, not the monthly payment.

Leave a field at $0 if it doesn't apply to you. Use the same dates for all values so the snapshot is consistent.

How the calculator works

Net worth = total assets − total liabilities.
Debt ratio = total liabilities ÷ total assets × 100. Above 100% means you owe more than you own.
Liquid assets = cash + investments, the money you could reach fairly quickly without selling your home or car or touching retirement accounts.
Net worth excluding home = (assets − home value) − (liabilities − mortgage). It removes your home equity, so you can see how much wealth sits outside the house.

All values are taken as you enter them. The calculator doesn't subtract taxes or selling costs. Traditional 401(k) and IRA balances are generally pre-tax, so part of them will go to income tax when you withdraw. Selling a home involves agent and closing costs. For both reasons, the result can overstate what you could actually spend.

Worked examples

1. Homeowner with a mortgage

Cash $15,000, investments $40,000, retirement $85,000, home $420,000 and a car worth $18,000 add up to $578,000 in assets. Debts are a $280,000 mortgage, a $9,000 car loan, $22,000 in student loans and $3,500 on credit cards: $314,500.

Net worth: $263,500
Debt ratio: 54.4%
Liquid assets: $55,000
Net worth excluding home: $123,500

More than half of this household's net worth is home equity.

2. Recent graduate

$4,000 in savings, $12,000 in a 401(k) and a $14,000 car make $30,000 in assets. A $11,000 car loan, $38,000 in student loans and $2,500 on cards total $51,500. Net worth is −$21,500 and the debt ratio is 171.7%. With large student loans, net worth can start below zero; what matters is the direction over time.

3. Near retirement

Cash $30,000, investments $250,000, retirement $600,000, home $550,000, vehicles $25,000 and other assets $10,000, with a $120,000 mortgage. Net worth is $1,345,000, the debt ratio 8.2%, liquid assets $280,000 and net worth excluding home $915,000.

How to read your results

One snapshot says less than the trend. Paying down debt and saving both raise net worth, while a rising home value can lift it without any change in your habits. That's why the figure without home equity is useful: it reflects savings you can draw on. A low liquid figure next to a high net worth means most of your wealth is tied up in a house or retirement accounts.

Frequently asked questions

What is the median net worth in the U.S.?

In the Federal Reserve's 2025 Survey of Consumer Finances, published in October 2026, median family net worth was $215,900 and the mean was $1,241,500. The mean is far higher because a small number of very wealthy families pull it up. Median net worth was $458,900 for homeowners and $10,600 for renters and other non-homeowners.

Should I include my home in my net worth?

Yes, the standard definition includes it, along with the mortgage on the liability side. But you live in your home and can't spend its equity without selling or borrowing, so the calculator also shows net worth excluding the home and mortgage.

Should I count my car?

Count it at its current resale value. Cars lose value every year, so update the figure each time you recalculate. Some people leave vehicles out entirely to keep the number conservative.

Is the debt ratio the same as my debt-to-income ratio?

No. The debt ratio here compares what you owe with what you own. Lenders' debt-to-income ratio compares your monthly debt payments with your gross monthly income. Our DTI calculator works that one out.

How often should I calculate my net worth?

Once or twice a year is enough for most people, for example at the start of the year when year-end statements arrive. Using the same sources and dates each time makes the comparison fair.

Sources

This calculator gives an estimate for personal planning only and is not financial or tax advice. Market values, taxes and selling costs will change what your assets are actually worth.

Results