Tool: Net worth calculator · Embed · All how-we-calculate pages · Questions
Purpose
Show a simple snapshot: sum of asset estimates minus sum of debt balances you type. Educational only.
Formulas
- Total assets = cash + investments + real estate + vehicles + other assets
- Total liabilities = credit cards + student loans + auto loans + mortgage + other debts
- Net worth = total assets − total liabilities
- Debt-to-asset ratio = total liabilities ÷ total assets (when assets > 0)
All inputs are floored at zero. Negative net worth is allowed when debts exceed assets.
What we intentionally leave out
- Live bank, brokerage, or credit pulls
- Appraisals, Zestimate-style home values, or market quotes
- Tax basis, capital gains, or retirement account tax treatment
- Business valuations, pensions, or complex illiquid assets beyond a simple “other” field
- Judgment about whether a net worth figure is “good”
Related
Last reviewed: August 9, 2026.
YMYL notice: This site is for education only. It is not financial, tax, or investment advice. Nestfigure is not a bank, credit union, broker, investment adviser, or fiduciary. Product terms, rates, and penalties vary—always read your institution’s disclosures before acting. Calculator results are mathematical estimates, not bank quotes.