What counts as an asset versus a liability?

Assets are things you own or account balances you could reasonably count today, such as cash, savings, investments, retirement balances, property value, vehicles, or other valuables. Liabilities are balances you still owe, such as mortgages, student loans, auto loans, credit cards, and other debts.

Are estimated values okay?

Yes. Net worth is a snapshot, so an estimate can still be useful as long as you apply the same approach consistently. Many people use recent account balances, a rough home value estimate, and a realistic resale value for vehicles or other property.

Can net worth be negative?

Yes. If total liabilities are larger than total assets, the result is negative. That does not mean the calculator is broken; it simply reflects the balances you entered for this point in time.

Why can the debt-to-asset ratio show as not available?

The ratio divides total liabilities by total assets. When total assets are zero, there is no meaningful denominator, so the calculator keeps the rest of the snapshot visible and marks the ratio as not available instead of forcing a misleading value.

How often should I update this snapshot?

Use whatever rhythm helps you stay organized. Some people refresh net worth monthly, others quarterly, and some revisit it before a decision such as a move, debt plan, or retirement review.

Net Worth Calculator

Add what you own and what you owe to get a current net worth snapshot with total assets, total liabilities, debt-to-asset ratio, and signed home equity.

How It Works

Formula

A = \sum \text{assets}

L = \sum \text{liabilities}

N = A - L \quad \text{(net worth)}

R = \frac{L}{A} \quad \text{when } A > 0

E = HV - MB \quad \text{(home equity)}

Enter any asset balances and debt balances that apply to you right now. The calculator adds each asset bucket into total assets, adds each liability bucket into total liabilities, and subtracts liabilities from assets to show net worth. If total assets are above zero, it also shows the debt-to-asset ratio. When both home value and mortgage balance are entered, home equity appears as a signed result.

Leave unused buckets blank and they stay out of the totals. This tool only organizes the balances and estimates you enter. It does not fetch market prices, project future returns, apply tax rules, or judge whether the result is good or bad.

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