# Net Worth Calculator

URL: https://speedycalculator.com/calculators/finance/net-worth/
Last updated: 2026-10-25

> The net worth calculator adds up everything you own – home, other property, investments, retirement accounts, cash and vehicles – and subtracts everything you owe – mortgage, car loans, student loans, credit cards and other debt – to show your net worth and debt ratio.

## Inputs

- Primary home
- Other real estate
- Retirement accounts (401k, IRA)
- Stocks, bonds and funds
- Checking and savings
- Vehicles
- Other assets (business, valuables)
- Mortgage
- Home equity loan / HELOC
- Car loans
- Student loans
- Credit cards
- Other debts

## Results

- Total assets
- Total liabilities
- Net worth
- Debt-to-asset ratio
- Liquid net worth (cash and investments − non-mortgage debt)

## Formula

```
Total assets = Σ asset values
Total liabilities = Σ debts
Net worth = assets − liabilities
Debt-to-asset ratio = liabilities ÷ assets
```

## Explanation

Tracking net worth once or twice a year shows whether you are moving forward. Use realistic market values (what you could sell for), and leave out personal items unless they are valuable. The Federal Reserve's 2022 SCF put median U.S. household net worth at $192,900.

### How to use the Net Worth Calculator

- **Primary home**
- **Other real estate**
- **Retirement accounts (401k, IRA)**
- **Stocks, bonds and funds**
- **Checking and savings**
- **Vehicles**
- **Other assets (business, valuables)**
- **Mortgage**
- **Home equity loan / HELOC**
- **Car loans**
- **Student loans**
- **Credit cards**
- **Other debts**

Results update as you type, and every field accepts the units shown in its menu.

### How it works

Enter the value of each asset and the balance of each debt.

### Tips

- Use your real spending from bank statements rather than guesses.
- Automate savings so they happen before you spend.
- Revisit your plan once a year or after any big life change.
- Keep an emergency fund before investing for long-term goals.

### Common mistakes to avoid

- Underestimating irregular expenses such as car repairs, gifts and annual bills.
- Ignoring inflation for long-term goals.
- Taking on high-interest debt to fund wants.

### Inputs explained

FieldWhat to enterPrimary homeAmount in your currencyOther real estateAmount in your currencyRetirement accounts (401k, IRA)Amount in your currencyStocks, bonds and fundsAmount in your currencyChecking and savingsAmount in your currencyVehiclesAmount in your currencyOther assets (business, valuables)Amount in your currencyMortgageAmount in your currencyHome equity loan / HELOCAmount in your currencyCar loansAmount in your currencyStudent loansAmount in your currencyCredit cardsAmount in your currencyOther debtsAmount in your currency

### What each result means

- **Total assets** = [Primary home] + [Other real estate] + [Retirement accounts (401k, IRA)] + [Stocks, bonds and funds] + [Checking and savings] + [Vehicles] + [Other assets (business, valuables)]
- **Total liabilities** = [Mortgage] + [Home equity loan ÷ HELOC] + [Car loans] + [Student loans] + [Credit cards] + [Other debts]
- **Net worth** = [Total assets] - [Total liabilities]
- **Liquid net worth (cash and investments − non-mortgage debt)** = [Checking and savings] + [Stocks, bonds and funds] - [Car loans] - [Student loans] - [Credit cards] - [Other debts]

### Example values

How the main result changes when **Primary home** changes and everything else stays at the example values above:

Primary homeNet worth200,00077,000300,000177,000400,000277,000500,000377,000600,000477,000800,000677,000

## Worked example

Inputs — Primary home: $400,000; Other real estate: $0; Retirement accounts (401k, IRA): $120,000; Stocks, bonds and funds: $30,000; Checking and savings: $15,000; Vehicles: $20,000; Other assets (business, valuables): $5,000; Mortgage: $280,000; Home equity loan / HELOC: $0; Car loans: $12,000; Student loans: $18,000; Credit cards: $3,000; Other debts: $0.

Results — Total assets = $590,000.00; Total liabilities = $313,000.00; **Net worth = $277,000.00**; Debt-to-asset ratio = 53.05 %; Liquid net worth (cash and investments − non-mortgage debt) = $12,000.00.

## FAQ

**What is a good net worth?**
A common benchmark is age × income ÷ 10, but any upward trend is good.

**Should I include my home?**
Yes, at a realistic market value, along with the mortgage.

**Should I include my car?**
Yes, at its resale value – it depreciates, so update it yearly.

**What formula does the Net Worth Calculator use?**
Total assets = Σ asset values.


## Sources

- [Federal Reserve – Survey of Consumer Finances](https://www.federalreserve.gov/econres/scfindex.htm)