Add up what you own and what you owe to get your net worth – the single number that shows whether your finances are moving forward.
By TanLabs · Formulas cross-checked against the free spreadsheet · Updated 2026-10-31 · Runs in your browser – nothing you type is sent anywhere
With cash & savings $8,000, investments & retirement $25,000, home / property value $0, vehicles & other assets $6,000, mortgage $0, car & student loans $12,000, credit cards & other debt $3,000:
Net worth: $24,000
Assets $39,000 − Liabilities $15,000 · Debt-to-asset ratio 38%
Change any number above – the result, chart and table update instantly. Use Copy link to save or share your exact scenario.
Net worth = total assets − total liabilities. Debt-to-asset ratio = liabilities ÷ assets.
Yes, at what it would sell for today, not what you paid.
It is common early on, especially with student loans. What matters is the direction month to month.
Once a month or once a quarter is enough to see the trend.