Net Worth Tracker Calculator
Calculate your net worth by entering all your assets and liabilities. Net Worth = Total Assets − Total Liabilities.
Assets
Liquid Assets
Investment Assets
Personal Property
Liabilities
Short-Term Liabilities
Long-Term Liabilities
Formulas Used
Net Worth = Total Assets − Total Liabilities
Total Assets = Liquid Assets + Investment Assets + Personal Property
Total Liabilities = Short-Term Liabilities + Long-Term Liabilities
Debt-to-Asset Ratio = (Total Liabilities ÷ Total Assets) × 100
Solvency Ratio = (Net Worth ÷ Total Assets) × 100
Assumptions & References
- All asset values are entered at current fair market value (not original purchase price).
- Retirement accounts (401k, IRA) are included at current balance; taxes on withdrawal are not deducted.
- Real estate values should reflect current market estimates (e.g., Zillow, appraisal).
- Vehicle values should reflect current resale value (e.g., Kelley Blue Book).
- Negative net worth is common early in life (e.g., student loans, new mortgage) and improves over time.
- A Debt-to-Asset Ratio below 50% is generally considered healthy.
- A Solvency Ratio above 20% indicates a financially stable position.
- Reference: Investopedia — Net Worth; CFP Board financial planning standards.