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Net Worth Calculator

Tally your assets and debts to find your true financial picture.

Updated June 2026 · Editorial standards

Assets

$
$
$
$
$

Liabilities

$
$
$
$
$
Net worth
$152,000
Total assets
$480,000
Total debts
$328,000

Your net worth is $152,000 — assets of $480,000 minus $328,000 in debts. Your debt-to-asset ratio is 68%.For every $1 of debt you have 1.46 in assets — a solvency ratio above 1 (solvent).

Asset breakdown

Debt breakdown

Financial health

Debt heavyDebt-free
Leveraged68% debt-to-assets

Debt-to-asset ratio: 68%. Below 50% is healthy; above 80% means most of your assets are financed by debt.

By the KalkWise Editorial Team Reviewed for accuracy Updated June 2026

What is the net worth calculator?

In short

Net worth is what you own minus what you owe: total assets minus total liabilities. A positive net worth means you own more than you owe; a negative figure means your debts exceed your assets. Tracking net worth over time is the clearest single measure of financial progress.

This net worth calculator totals your assets — cash, investments, property, and valuables — and subtracts all liabilities including mortgages, loans, and credit cards. It also shows your debt-to-asset ratio and a financial health rating.

How to use this calculator

  1. 1Enter the current value of each asset you own.
  2. 2Enter the outstanding balance on each debt.
  3. 3Read your net worth and debt-to-asset ratio.
  4. 4Use the donut charts to see where your assets and debts are concentrated.

The formula

NW=A−L
Subtract total liabilities from total assets. A positive result is your net worth; a negative result means you are technically insolvent.
NW
— Net worth
A
— Total assets (cash + investments + property + other)
L
— Total liabilities (mortgage + loans + credit cards + other)

Worked example

The scenario

Assets: $480,000 (home $350k, investments $80k, cash $25k, vehicle $20k, other $5k). Debts: $328,000 (mortgage $280k, student loans $30k, car loan $12k, credit cards $4k, other $2k).

gives

The result

Net worth is $480,000 − $328,000 = $152,000. Debt-to-asset ratio is 68%, meaning 68 cents of every dollar of assets is financed by debt.

Common use cases

  • Tracking financial progress year-over-year
  • Deciding whether to focus on paying down debt or investing more
  • Preparing a personal balance sheet for a bank or advisor
  • Setting net-worth milestones on the path to financial independence

Limitations & assumptions

  • Asset values are estimates — real estate and investments fluctuate daily.
  • Does not account for unrealised tax on retirement accounts or capital gains.
  • A snapshot in time; net worth changes every time markets move or you make a payment.

Frequently asked questions

A common rule of thumb is to have a net worth equal to your annual salary by 30, three times by 40, and six times by 55. These are rough guides — individual circumstances vary widely.

Disclaimer: KalkWise calculators are provided for general informational and educational purposes only and do not constitute financial, investment, tax, or legal advice. Results are estimates based on the figures you enter and the assumptions described above. Actual outcomes will vary. Consult a qualified professional before making financial decisions.