How to use the net worth calculator
- Under What you own, list each asset with today's value — cash, savings, investments, retirement, your home, your car. Tick liquid for money you could use within days.
- Under What you owe, list each debt with the balance you owe today — credit cards, student loans, auto loan, mortgage.
- Read your net worth, liquid net worth and debt-to-asset ratio on the right, and see which items make up the biggest part.
The net worth formula
Net worth = total assets − total liabilities
| What you own (assets) | Value | What you owe (liabilities) | Balance |
|---|---|---|---|
| Home (market value) | $150,000 | Mortgage | $88,000 |
| Savings & checking | $12,000 | Car loan | $7,000 |
| 401(k) | $18,000 | ||
| Total assets | $180,000 | Total liabilities | $95,000 |
Net worth: $180,000 − $95,000 = $85,000. Liquid net worth: the $12,000 of savings minus the $7,000 car loan = $5,000 (the mortgage is left out because it's tied to the home).
Liquid net worth vs net worth
Two people can have the same net worth and very different lives. One has most of it in home equity and a retirement account; the other has a cash cushion. Liquid net worth — liquid assets minus debts that aren't a mortgage — shows how much you could actually reach in an emergency. Pair it with an emergency fund target from our emergency fund calculator.
Debt-to-asset ratio
Debt-to-asset ratio = total liabilities ÷ total assets × 100
| Ratio | What it usually means |
|---|---|
| Under 30% | Low. Most of what you own is yours. |
| 30% – 60% | Moderate. Common with a mortgage. |
| Over 60% | High. Debts are a big share of your assets. |
It's different from the debt-to-income ratio lenders use, which compares monthly debt payments with monthly income — work that out with the debt-to-income ratio calculator.
Net worth is a trend, not a number
A single net worth figure is a snapshot. The real value is in tracking it month after month: you see debts shrinking, savings growing and the effect of every raise, windfall or market dip. Summit, our net worth tracker, makes that a two-minute monthly check-in — every account on one screen, a history chart with one peak per month, milestones from $0 to $1M and a forecast of where your net worth is heading. Read the full guide: how to calculate your net worth.
How to grow your net worth
- Pay down high-interest debt first — every dollar off a 24% card is a guaranteed 24% return.
- Automate saving and investing on payday so it happens before spending.
- Keep an emergency fund so surprises don't go on a credit card.
- Invest steadily for the long run; see what monthly investing can grow into with the compound interest calculator.
- Value things honestly — use today's market value for your home and car, not the purchase price.
- Check in monthly so you notice the trend early.
Save, print or share your result
Under the calculator you can save the calculation in your browser, copy a link that reopens it with your numbers, print a clean report or download it as a PDF (with a QR code that reopens the calculation), or download a CSV. Nothing is uploaded — saved calculations stay on your device.
Frequently asked questions
How do you calculate net worth?
What counts as an asset?
Should I include my house in my net worth?
What is liquid net worth?
What is a good debt-to-asset ratio?
Can my net worth be negative?
How often should I calculate my net worth?
Can I save, print or download my result?
Written by
Finance Specialist & Editor, VaultlyApps
Emma Whitfield writes and edits the VaultlyApps money guides and free calculators. Her focus is US household finance — budgeting on a real paycheck, paying down credit card and student debt, emergency funds and savings goals, renting — and the money side of freelancing and small-business income, from pricing and profit margins to self-employment tax. Every guide is researched against primary sources such as IRS publications and the CFPB, every number is checked in our tested calculators, and tax content is reviewed each year when new IRS figures come out. Emma is not a licensed financial adviser or tax preparer; her work is general education, not personal advice.
Researched against primary US sources, checked against independent calculators and reviewed by a finance expert on our team. Written for US readers — general education, not financial, tax or legal advice. Editorial policy · Disclaimer
