Net worth calculator
Add up what you own and what you owe to see your net worth, how much of it is tied up in debt, and how much is in savings and investments.
Free · No sign-up · Updated October 2026
$288,000net worth
- Total assets
- $723,000
- Total debts
- $435,000
- Debt-to-asset ratio
- 60%
- Savings and investments
- $55,000
- Debt other than your mortgage
- $15,000
Nothing you enter leaves your browser. Recalculate once or twice a year to track progress.
How this calculator works
Assets minus debts
Your net worth is the total of your assets minus the total of your debts. We also show your debt-to-asset ratio and your debt other than the mortgage.
Use realistic values: what your home and vehicles would actually sell for, and the current balance owing on each debt.
Private by design
The calculation runs in your browser. Nothing you enter is sent to CreditLab or stored.
Questions
How do you calculate net worth?
Add up the value of everything you own, such as savings, investments, your home and vehicles, then subtract everything you owe, such as your mortgage, credit cards and loans. The difference is your net worth.
Should I include my home in my net worth?
Yes, at a realistic market value, along with the mortgage balance. Many people also track net worth without the home, because it’s harder to turn into cash.
Is it normal to have a negative net worth?
It’s common early on, especially with student loans or a new car loan. What matters most is whether your net worth is rising over time as you pay down debt and save.
What is a good debt-to-asset ratio?
Lower is generally stronger, since it means more of what you own is paid for. A high ratio isn’t unusual right after buying a home and tends to fall as the mortgage shrinks.
How often should I calculate my net worth?
Once or twice a year is enough for most people. Tracking it at the same time each year makes progress easy to see.
Results are estimates for general information, not financial advice. Confirm rates, fees and terms with your card issuer or bank. See our methodology.