Net Worth Calculator
Net worth is the one number that cannot be argued with: everything you own minus everything you owe. The useful part is the breakdown — how much of it you could actually reach, and how much of your assets the debt claims.
Assets & Liabilities
Use current market values, not what you paid. Nothing is sent anywhere.
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Liquid net worth is the number that matters in a crisis
Total net worth counts a house and a pension you cannot touch for decades. Liquid net worth counts only what you could convert to cash in days without wrecking something — cash, savings and taxable investments, minus short-term debt. Two households with identical net worth can be in completely different positions when a boiler fails or a job ends.
Reading the debt-to-asset ratio
Liabilities divided by assets. Below 30% is comfortable for most households. Between 30% and 50% is normal for anyone in the first decade of a mortgage. Above 70% means most of what you appear to own is in fact claimed by someone else, and a fall in asset values would put you close to or below zero.
Use market values, not purchase prices
A car bought for $34,000 three years ago is not a $34,000 asset. Vehicles typically lose 15–20% a year early on. Property is the opposite error — people often carry the purchase price for years. Both distortions matter, in opposite directions, and both are easy to fix by looking up a current figure.
Privacy
Every figure here stays in your browser. Nothing is transmitted, stored or logged — the calculation runs in JavaScript on your own device.