Net Worth Calculator
Calculate your net worth by listing your assets and liabilities. Track your financial progress over time.
Assets
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Liabilities
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Your Net Worth
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HealthyGreat job! Your debt is low relative to your assets.
Total Assets
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Total Liabilities
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Debt-to-Asset Ratio
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Assets - Liabilities
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Understanding Net Worth
Net worth is a snapshot of your financial health. It's calculated by subtracting your total liabilities (what you owe) from your total assets (what you own).
Types of Assets
- Liquid Assets: Cash, checking, savings - easily accessible
- Investment Assets: Stocks, bonds, retirement accounts - grow over time
- Fixed Assets: Real estate, vehicles - tangible property
Types of Liabilities
- Consumer Debt: Credit cards, personal loans - typically high interest
- Secured Debt: Mortgage, auto loans - backed by collateral
- Student Debt: Education loans - often lower interest rates
Tips for Growing Net Worth
- Pay off high-interest debt first
- Build an emergency fund (3-6 months expenses)
- Maximize retirement contributions
- Invest consistently over time
- Track your net worth monthly or quarterly