Net Worth Calculator
This free net worth calculator helps you understand your complete financial picture in minutes. Add up everything you own and everything you owe to see your personal net worth instantly. View visual breakdowns of your assets and liabilities, check your debt-to-asset ratio, compare your net worth to benchmarks for your age group, and save snapshots to track your progress over time. No signup required.
Total Assets
$0
Total Liabilities
$0
Net Worth
$0
Your Net Worth
$0
Assets
$0Track your net worth changes over time with automatic balance updates. Auritrack connects to your accounts and keeps your financial picture up to date.
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Net Worth Benchmarking
Compare your net worth to averages for your age group.
Track Your Progress
Snapshot History
Save snapshots to track your net worth over time.
No snapshots saved yet. Click "Save Snapshot" to record your current net worth.
How to Calculate Your Net Worth
List Your Assets by Category
Enter the current market value of everything you own across each category: cash and savings accounts, investments and retirement funds, real estate, vehicles, and personal property. Use the pre-built categories or add custom items.
Enter Your Liabilities
Add the outstanding balance for every debt you owe, including mortgages, auto loans, student loans, credit card balances, personal loans, and any other debts. Be thorough for the most accurate result.
Review Your Net Worth Summary
Your net worth is calculated instantly as total assets minus total liabilities. The summary bar shows your total assets, total liabilities, and net worth with a color-coded indicator for positive or negative net worth.
Explore the Visual Breakdown
Scroll down to see donut charts showing your asset allocation and liability distribution, a stacked comparison bar, and your debt-to-asset ratio with a health indicator that flags whether your ratio is healthy, cautionary, or concerning.
Save a Snapshot and Track Progress
Take a snapshot of your current net worth to save it locally. Come back monthly or quarterly to take new snapshots and see your net worth trend over time. Export your data as CSV for your records.
Understanding Your Net Worth
Why Net Worth Is the Best Measure of Financial Health
Income tells you how much money flows in, but net worth tells you how much you actually keep. Two people can earn the same salary yet have vastly different financial positions depending on their spending habits, debt levels, and investment choices. A high income with high debt and no savings can produce a negative net worth, while a modest income with disciplined saving and minimal debt can build significant wealth over time. Tracking net worth gives you a single, honest number that reflects your true financial progress.
Net Worth = Total Assets − Total Liabilities
A positive net worth means you own more than you owe. A negative net worth means your debts exceed your assets.
Building Net Worth Over Time
There are only three ways to increase your net worth: grow your assets, reduce your liabilities, or do both simultaneously. Growing assets means saving more, investing wisely, and letting compound interest work in your favor. Reducing liabilities means paying down debt strategically. Most financial advisors recommend a combination of both. Use a budget planner to find extra money each month, direct it toward your savings goals or debt payoff plan, and watch your net worth climb.
The Debt-to-Asset Ratio Explained
Your debt-to-asset ratio measures what percentage of your total assets is financed by debt. It is calculated as total liabilities divided by total assets, multiplied by 100. A ratio below 30% is generally considered healthy, indicating strong financial footing. Between 30% and 50% is a cautionary zone where you should prioritize reducing debt. Above 50% means more than half your assets are funded by borrowing, which poses financial risk. This calculator automatically computes your ratio and color-codes it so you can see your status at a glance.
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Frequently Asked Questions
Disclaimer: This tool is provided for informational and educational purposes only. It does not constitute financial, tax, investment, or legal advice. Results are estimates based on the inputs you provide and may not reflect actual financial outcomes. Always consult a qualified financial professional before making financial decisions.