Calculate your net worth and debt-to-asset ratio. Free online net worth calculator with formula, examples, and FAQ for personal finance.
Net worth is the most fundamental measure of your financial health — it is the difference between what you own (assets) and what you owe (liabilities). A positive net worth means your assets exceed your debts, while a negative net worth means you owe more than you own. Tracking your net worth over time helps you measure financial progress.
Net Worth = Total Assets - Total Liabilities | Debt-to-Asset Ratio = (Total Liabilities / Total Assets) × 100Total assets include cash, investments, real estate, vehicles, and other valuables. Total liabilities include mortgages, student loans, credit card debt, car loans, and other debts. The debt-to-asset ratio shows what percentage of your assets are financed by debt — lower is generally better.
| Input | Output |
|---|---|
| Assets: $500,000, Liabilities: $200,000 | Net Worth: $300,000, Debt-to-Asset Ratio: 40% |
| Assets: $1,000,000, Liabilities: $300,000 | Net Worth: $700,000, Debt-to-Asset Ratio: 30% |
| Assets: $100,000, Liabilities: $120,000 | Net Worth: -$20,000, Debt-to-Asset Ratio: 120% |