💎 Net Worth Calculator

Enter all your assets and liabilities to see your true net worth, asset allocation breakdown, and debt-to-asset ratio in seconds.

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Inputs
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Assets
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Liabilities
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Results
Net Worth
Total Assets
Total Liabilities
Liquid Assets
Illiquid Assets
Debt-to-Asset Ratio
Asset-to-Debt Ratio
Net Worth = Total Assets − Total Liabilities
Debt-to-Asset Ratio = Total Liabilities ÷ Total Assets

Net worth is the single most important number in personal finance. A positive and growing net worth means you're building wealth even if monthly cash flow is tight. Track it annually. The goal isn't a specific number — it's consistent year-over-year growth.