Budgeting & Income
Net Worth Calculator
Net worth is the single most honest number in personal finance: everything you own minus everything you owe. Tally your assets and debts to get yours, plus the debt-to-asset ratio lenders and advisors read as a balance-sheet health check. Track it quarterly — the trend matters more than the level.
Your net worth
$187,500
- Total assets
- $473,000
- Total liabilities
- $285,500
- Debt-to-asset ratio
- 60.36%
Under 50% is generally considered healthy; it naturally falls with age.
How this calculator works
Net worth = sum of assets − sum of liabilities, in exact cents. The debt-to-asset ratio divides total liabilities by total assets. Use current market values (Zillow-style estimates for the home, KBB for cars) and today's balances, not original prices.
Try an example
Frequently asked questions
What counts as an asset?
Anything with resale value: cash, investment and retirement accounts, your home at current market value, vehicles at trade-in value, and meaningful valuables. Skip furniture and electronics — their resale value is negligible and inflates the number dishonestly.
What's a good net worth for my age?
Median US household net worth runs from roughly $40k for under-35s to about $410k for 65–74s (Federal Reserve SCF, 2022). A classic benchmark formula: age × pre-tax income ÷ 10. But the honest yardstick is your own number last quarter.
Should my home really count?
Standard net worth includes it (value as asset, mortgage as debt). Many planners also track 'liquid net worth' excluding home equity, since you live in it. Compute both — this calculator gives you the standard one; zero the home and mortgage fields for the liquid view.
How often should I track net worth?
Quarterly is the sweet spot — often enough to catch drift, rare enough to show real movement instead of market noise. Same date each quarter, same valuation rules, one spreadsheet row. The compounding of good decisions becomes visible within a year.
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Disclaimer: DayCents provides this calculator for educational purposes only. Results are estimates based on your inputs and the stated assumptions — they are not financial advice, a quote, or an offer of credit. Consult a qualified financial professional before making major money decisions.