About this tool
Net Worth Calculator is a free, in-browser tool that snapshots your financial position by subtracting everything you owe from everything you own. Fill in the asset rows — cash, investments, real estate, vehicles and anything else — and the liability rows — mortgage, loans, credit cards and other debts — and the totals update as you type. Nothing is uploaded; the figures never leave your browser.
The math is a simple balance sheet: net worth = total assets − total liabilities. The debt-to-asset ratio is total liabilities divided by total assets, times 100, which shows what share of what you own is financed by debt. Blank or negative entries are treated as zero, and net worth can legitimately come out negative when debts exceed assets.
Use it to track progress over time, to gauge how leveraged you are, or to sanity-check a loan application. A lower debt-to-asset ratio means more of your wealth is truly yours rather than borrowed.
Frequently asked questions
How is net worth calculated?
It is the sum of all your asset rows minus the sum of all your liability rows. If your debts are larger than your assets the result is negative, which the tool shows rather than flooring at zero.
What does the debt-to-asset ratio mean?
It is total liabilities divided by total assets, expressed as a percentage. A value of 40% means debt finances 40% of everything you own; lower is generally healthier, and 0% means you carry no recorded debt.
What should I include as assets and liabilities?
Assets are things you own with cash value — bank balances, investments, property, vehicles and valuables. Liabilities are what you owe — mortgages, car and personal loans, credit-card balances and any other debts. Use current market values for the best snapshot.
Is my financial information stored or uploaded?
No. Everything is computed locally in your browser as you type. Nothing is saved, sent to a server or shared, so you can enter real figures safely.
More tools