Net Worth Calculator
Your net worth from what you own and what you owe, the share of your assets that is debt, and what it could grow to over the years at a monthly saving and a return you choose.
Result…
How it's calculated
Net worth = total assets − total liabilities Debt-to-asset ratio = liabilities ÷ assets × 100 Monthly rate i = (1 + yearly return)^(1/12) − 1 In n months = net worth × (1 + i)^n + saving × ((1 + i)^n − 1) ÷ i (with "New saving only", today's net worth is not grown)
Net worth is everything you own minus everything you owe. List your assets at what they would sell for today and your debts at the balance still owed. The projection then adds a monthly saving and grows the total at the yearly return you enter, compounded monthly, so you can see how saving and growth each add to it. Choose "New saving only" when what you own today, such as a home, should not be grown at an investment return.
Your numbers, step by step
About the Net Worth calculator
This net worth calculator adds up what you own and what you owe and takes one from the other. List each asset at what it would sell for today, such as savings, pensions, a home or a car, and each debt at the balance still owed. You get your net worth, the totals on both sides and the debt-to-asset ratio, the share of your assets matched by debt. It then looks ahead: enter a monthly saving, a yearly return and a number of years, and it projects your net worth with the return compounded monthly, splitting the change into what you put in and what the return added. You can apply the return to everything or only to new saving, for when a home or car should not grow at an investment rate. It is a simple projection, not a forecast, and the steps show every sum.
How to use it
- Replace the example lines in “Assets: what you own, one per line” with your own, such as “Pension 30000”.
- Do the same in “Liabilities: what you owe, one per line”.
- Enter your “Monthly saving”, a “Yearly return” and the “Years ahead”.
- Choose whether the “Return applies to” your whole net worth or only new saving.
- Read your net worth today and the projected figure.
Worked example
Take savings of 9,000, a pension of 30,000 and a car worth 11,000, so assets are 50,000. A car loan of 6,000 and a student loan of 14,000 make liabilities of 20,000, so net worth is 30,000 and the debt-to-asset ratio is 40%. Saving 400 a month for 15 years at a 5% yearly return on new saving only gives a projected net worth of 135,929.84: 72,000 of it is your own saving and 33,929.84 is the return.
Updated
Questions people ask
How do I calculate my net worth?
Add the value of everything you own, add the balances of everything you owe, and take the second total from the first. A negative result means you owe more than you own.
What counts as an asset in net worth?
Anything with a value you could sell or draw on: cash, savings, investments, pensions, property and vehicles. Use what each would sell for now, not what you paid.
What is the debt-to-asset ratio?
It is your total debts divided by your total assets, times 100. At 40%, debts match 40% of what you own; a lower figure means more of your assets are yours outright.
What is a common mistake when tracking net worth?
Valuing a home or car at its purchase price instead of what it would sell for today. Another is applying an investment return to a home in the projection; choose “New saving only” to avoid that.
How reliable is the net worth projection?
It assumes one steady return, monthly saving and no tax or inflation, while real assets and debts each change in their own way. Treat it as a rough guide; for how growth compounds see the compound interest calculator, and for planning decisions speak to a qualified financial adviser.