NetWorth Tracker

Net Worth Calculator

Add your assets and liabilities — see your net worth at a glance, with a quick health check on your debt ratio.

Assets

Liabilities

Net worth

-$60,500

$200,000 assets − $260,500 liabilities

Total assets: $200,000
Total liabilities: $260,500
Debt-to-asset ratio: 130.3%
Health check: At risk

What you entered

Asset rows: 5Liability rows: 3

1
Sum 5 assets
$5,000 + $15,000 + $40,000 + $60,000 + $80,000= $200,000
2
Sum 3 liabilities
$240,000 + $18,000 + $2,500= $260,500
3
Net worth
$200,000 − $260,500= $-60,500
4
Debt-to-asset ratio
$260,500 ÷ $200,000 × 100= 130.3%

Result

Net worth: -$60,500

Total assets of $200,000 minus total liabilities of $260,500 leaves a net worth of -$60,500 — a debt-to-asset ratio of 130.3%.

Net worth and debt-to-asset ratio by situation

Net worth is total assets minus total liabilities. The debt-to-asset ratio shows what share of what you own is financed by what you owe.

Situation	Assets	Liabilities	Net worth	Debt-to-asset
Early career	$58,000	$57,000	$1,000	98.3%
Negative equity	$20,000	$45,000	-$25,000	225.0%
Typical homeowner	$305,000	$192,000	$113,000	63.0%
Established	$850,000	$255,000	$595,000	30.0%
High net worth	$1,680,000	$300,000	$1,380,000	17.9%

A ratio above 100% means you owe more than you own. Below 50% is generally considered comfortable, and the figure naturally falls over a working life as mortgages amortise and assets accumulate.

Tracking is half the battle

Net worth growth — not income — is the truest measure of financial progress. Calculate it once a quarter; the trend matters more than the number.

Frequently asked questions

I have $50K in savings, $200K home equity, $30K retirement, and owe $15K on a car loan and $8K credit card — what's my net worth?

Assets: $50K + $200K + $30K = $280K. Liabilities: $15K + $8K = $23K. Net worth = $280K − $23K = $257,000. Enter each item by category above for a detailed breakdown.

Is negative net worth normal?

Yes, especially for young adults. Student loans, a new mortgage, and car payments can easily make your liabilities exceed your assets. The key metric is the trend — as long as net worth is increasing quarter over quarter, you're on the right track. Most people cross to positive net worth in their 30s.

Should I include my car as an asset?

Yes, at its current resale value (not what you paid). A car is a depreciating asset — include it, but update the value periodically. The car loan goes on the liability side. If the loan exceeds the car's value, that car is 'underwater' and actively reducing your net worth.

How often should I recalculate my net worth?

Quarterly is ideal — frequent enough to spot trends, infrequent enough that normal market fluctuations don't cause anxiety. Monthly is fine if you enjoy the tracking. Less often than quarterly and you might miss a spending problem or investment issue until it's grown.