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Net Worth Calculator
Adds up assets (cash, investments, retirement accounts, real estate, vehicles, other) and liabilities (mortgage, student, car and credit-card debt, other) to give net worth, liquid net worth and the debt-to-asset ratio.
When to use
You want a personal balance sheet: what is owned minus what is owed, how much of it is liquid, and how leveraged the household is.
Do not use when: You need monthly cash-flow ratios such as debt-to-income (use debt-to-income), or valuations of the assets themselves. Informational; not financial advice.
Formula
total_assets = cash_and_savings + investments + retirement_accounts + real_estate + vehicles + other_assets; total_liabilities = mortgage_balance + student_loans + car_loans + credit_card_debt + other_debts; net_worth = total_assets − total_liabilities; liquid_net_worth = cash_and_savings + investments − credit_card_debt − other_debts; debt_to_asset_ratio = total_liabilities / total_assets × 100
Simple balance-sheet arithmetic at the values entered; assets are counted gross with the related loans as liabilities, so a home with a mortgage contributes its full value and its full loan balance. Liquid net worth follows the common definition of excluding property, vehicles and retirement accounts while subtracting unsecured short-term debt.
Inputs
| Parameter | Type | Unit | Required | Description |
|---|---|---|---|---|
cash_and_savings | number | default 0 | Checking, savings and money-market balances. Range: ≥ 0, ≤ 1000000000000 | |
investments | number | default 0 | Brokerage accounts, funds, bonds and crypto at current market value (outside retirement accounts). Range: ≥ 0, ≤ 1000000000000 | |
retirement_accounts | number | default 0 | 401(k), IRA, pension or superannuation balances. Range: ≥ 0, ≤ 1000000000000 | |
real_estate | number | default 0 | Market value of homes and land owned (gross, before the mortgage). Range: ≥ 0, ≤ 1000000000000 | |
vehicles | number | default 0 | Resale value of cars, boats and other vehicles. Range: ≥ 0, ≤ 1000000000000 | |
other_assets | number | default 0 | Business equity, valuables, money owed to you. Range: ≥ 0, ≤ 1000000000000 | |
mortgage_balance | number | default 0 | Outstanding principal on home loans. Range: ≥ 0, ≤ 1000000000000 | |
student_loans | number | default 0 | Outstanding student-loan balance. Range: ≥ 0, ≤ 1000000000000 | |
car_loans | number | default 0 | Outstanding vehicle-loan balance. Range: ≥ 0, ≤ 1000000000000 | |
credit_card_debt | number | default 0 | Revolving balances carried on cards. Range: ≥ 0, ≤ 1000000000000 | |
other_debts | number | default 0 | Personal loans, medical debt, taxes owed, money owed to others. Range: ≥ 0, ≤ 1000000000000 |
Outputs
| Output | Type | Unit | Description |
|---|---|---|---|
total_assets | number | Sum of all asset inputs. | |
total_liabilities | number | Sum of all debt inputs. | |
net_worth | number | total_assets − total_liabilities (negative when debts exceed assets). | |
liquid_net_worth | number | cash_and_savings + investments − credit_card_debt − other_debts: what could be raised quickly without selling property or tapping retirement accounts. | |
debt_to_asset_ratio_percent | number | % | total_liabilities / total_assets × 100 (absent when there are no assets). |
breakdown | list | Non-zero items as rows {item, amount, type} with type "asset" or "liability". | |
summary | string | Plain-language statement of the balance sheet. |
Example
Cash 20,000, investments 80,000, retirement 100,000, home 150,000; mortgage 180,000, car loan 20,000: {"cash_and_savings":20000,"investments":80000,"retirement_accounts":100000,"real_estate":150000,"mortgage_balance":180000,"car_loans":20000} → {"total_assets":350000,"total_liabilities":200000,"net_worth":150000,"liquid_net_worth":100000,"debt_to_asset_ratio_percent":57.14}
Cash 5,000, investments 12,000, car 15,000; student loans 40,000, cards 6,000, car loan 10,000: {"cash_and_savings":5000,"investments":12000,"vehicles":15000,"student_loans":40000,"credit_card_debt":6000,"car_loans":10000} → {"total_assets":32000,"total_liabilities":56000,"net_worth":-24000,"liquid_net_worth":11000,"debt_to_asset_ratio_percent":175}
GET https://tttkmbb.com/api/v1/calculate/net-worth?cash_and_savings=20000&investments=80000&retirement_accounts=100000&real_estate=150000&mortgage_balance=180000&car_loans=20000
Machine access
- API:
GET https://tttkmbb.com/api/v1/calculate/net-worth(query parameters) orPOSTwith a JSON body{"inputs": {...}} - Schema: https://tttkmbb.com/api/v1/calculators/net-worth · Markdown: https://tttkmbb.com/finance/net-worth.md · JSON definition: https://tttkmbb.com/finance/net-worth.json
- MCP: server
https://tttkmbb.com/mcp, toolrun_calculator with calculator_id="net-worth" - OpenAPI operationId:
calculate_net_worth - Freshness:
static. Authentication: none. Rate limit: fair use (see rate limits).
Sources
- Wikipedia – Net worth (reference)
- Investopedia – Net Worth: What It Is and How to Calculate It (reference)
FAQ
Should I include my home and mortgage?
Yes, both: the home's market value as an asset and the mortgage principal as a liability. Net worth then contains the home equity; liquid net worth excludes it.
Why exclude retirement accounts from liquid net worth?
They usually cannot be withdrawn without penalties, taxes or preservation rules, so they are not available for short-term needs even though they count in total net worth.
Is a negative net worth unusual?
It is common early in a career, e.g. student loans exceeding savings; the ratio and trend over time matter more than a single snapshot.
Related calculators
- Debt-to-Income Ratio Calculator — Monthly debt payments as a share of income, the cash-flow counterpart.
- Debt Payoff Calculator — Time to clear a balance that drags net worth down.
- Retirement Savings Calculator — Project the retirement accounts forward.