AlsernFinance Tools

Net Worth Calculator Free Online

Net worth equals total assets minus total liabilities. With $350,000 in assets and $220,000 in debts, net worth is $130,000 and the debt-to-asset ratio is 0.63.

Assets $95,000

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Liabilities $33,400

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Net worth

$61,600

Assets

$95,000

Liabilities

$33,400

Debt to asset

0.35

Assets cover debt 2x+

Liquid share

13%

Cash as share of assets

History on this device

0 snapshots

Your balance sheet

Assets, liabilities and balances for ongoing tracking.

Assets
$95,000
Liabilities
$33,400
Net worth
$61,600
Track your net worth in Alsern

Your numbers travel in the link only. They are not sent to our servers.

Key takeaways

What to know

  1. 01Value assets at what they would sell for today, not what you paid.
  2. 02A debt-to-asset ratio under 0.5 means assets cover debts at least twice.
  3. 03Track the trend: a monthly or quarterly snapshot is more useful than a single number.

Formula

Net worth = Total assets - Total liabilities

Worked example

Cash $15,000 + investments $45,000 + home $290,000 = $350,000 assets. Mortgage $205,000 + car loan $15,000 = $220,000 liabilities. Net worth = $130,000.

FAQ

Common questions

How do I calculate net worth?

Add the current value of everything you own, then subtract everything you owe. The result can be negative.

Should I include my home and car?

Yes, at realistic resale value, and include the mortgage or loan as a liability.

Are my numbers stored?

Only in your browser's local storage on this device. Nothing is sent to Alsern servers.

What is a good debt-to-asset ratio?

Lower is stronger. Below 0.5 is generally considered healthy; above 1.0 means debts exceed assets.

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