Net Worth Calculator Free Online
Net worth equals total assets minus total liabilities. With $350,000 in assets and $220,000 in debts, net worth is $130,000 and the debt-to-asset ratio is 0.63.
Assets $95,000
- $
- $
- $
- $
Liabilities $33,400
- $
- $
- $
Net worth
$61,600
Assets
$95,000
Liabilities
$33,400
Debt to asset
0.35
Assets cover debt 2x+
Liquid share
13%
Cash as share of assets
History on this device
0 snapshotsYour balance sheet
Assets, liabilities and balances for ongoing tracking.
- Assets
- $95,000
- Liabilities
- $33,400
- Net worth
- $61,600
Your numbers travel in the link only. They are not sent to our servers.
Key takeaways
What to know
- 01Value assets at what they would sell for today, not what you paid.
- 02A debt-to-asset ratio under 0.5 means assets cover debts at least twice.
- 03Track the trend: a monthly or quarterly snapshot is more useful than a single number.
Formula
Net worth = Total assets - Total liabilities
Worked example
Cash $15,000 + investments $45,000 + home $290,000 = $350,000 assets. Mortgage $205,000 + car loan $15,000 = $220,000 liabilities. Net worth = $130,000.
FAQ
Common questions
How do I calculate net worth?
Add the current value of everything you own, then subtract everything you owe. The result can be negative.
Should I include my home and car?
Yes, at realistic resale value, and include the mortgage or loan as a liability.
Are my numbers stored?
Only in your browser's local storage on this device. Nothing is sent to Alsern servers.
What is a good debt-to-asset ratio?
Lower is stronger. Below 0.5 is generally considered healthy; above 1.0 means debts exceed assets.
Embed this tool
<iframe src="https://tools.alsern.com/embed/net-worth-calculator" title="Net Worth Calculator by Alsern Finance" style="width:100%;max-width:960px;height:860px;border:0;border-radius:12px" loading="lazy"></iframe>Free to embed. Width adapts to the container; 860px height fits mobile and desktop.
Related