Add up everything you own and everything you owe to see your net worth, with an itemised breakdown of which assets and debts dominate your balance sheet.
A preset loads example figures into both lists below. Edit any row, or add and remove rows, to match your own situation.
Display options
Both bars share the same scale, so the longer the assets bar is compared with the liabilities bar, the larger your net worth. If the liabilities bar is longer, net worth is negative.
| Category | Amount | Share of its side |
|---|
Each asset row shows its share of total assets; each liability row shows its share of total liabilities. This highlights which holdings and which debts dominate your balance sheet.
For beginners: how to read this result
Start by choosing a preset scenario, then edit the two lists so they match your own situation. The assets list holds everything of value you own; the liabilities list holds every debt you still have to repay. You can add or remove rows on either side, and the totals and result update as you type.
How net worth is calculated
Net worth is a simple snapshot of where you stand financially today. The calculator adds up the value of every row in the assets list to get total assets, adds up every row in the liabilities list to get total liabilities, and subtracts one from the other. In plain English: net worth equals total assets minus total liabilities. A positive number means you own more than you owe; a negative number means your debts are larger than your assets, which is common early in life when student loans or a new mortgage outweigh savings.
The asset-to-liability ratio
Alongside the headline figure the calculator shows an asset-to-liability ratio, which is total assets divided by total liabilities. A ratio above one means assets outweigh debts; the higher it climbs, the more financial cushion you have. A ratio below one means debts are larger than what you own.
Reading the breakdown
The comparison bar puts total assets and total liabilities on the same scale so the gap between them — your net worth — is easy to see at a glance. The category table lists every row and the share it represents of its own side: each asset as a percentage of total assets, and each debt as a percentage of total liabilities. That makes it clear which holdings and which debts have the biggest effect on your balance sheet.
What to enter
Use realistic, current figures. For assets, enter what an item would actually sell for today rather than what you originally paid. For debts, enter the balance still outstanding, not the original loan amount. Typical assets include cash, savings, investment and retirement accounts, property and vehicles; typical liabilities include a mortgage, car or student loans and credit-card balances.
What is not included
This is an arithmetic snapshot, not financial advice. It does not value property, vehicles or investments for you, does not account for tax that would be due on selling an asset, and does not forecast how your net worth will change in the future. Asset values and debt balances move over time, so revisit the calculator and update the figures whenever you want a fresh picture.