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Net-worth calculator

This net-worth calculator captures your assets and your debts as freely named line items and shows your net worth straight away — all your assets together minus all your liabilities. It also shows how each side splits across the individual items, plus the debt-to-asset ratio (liabilities relative to assets). Net worth is allowed to be negative; that is a valid result. The calculator does not say how 'rich' you are compared with anyone else, and it makes no statement about your creditworthiness. Everything runs in your browser; nothing is stored or sent anywhere.

Enter your assets and your debts as line items. The calculator shows your net worth (assets minus debts), the split by category and the debt-to-asset ratio — without any "how rich am I" comparison and without a creditworthiness statement. All defaults are example assumptions. The calculation runs in your browser; nothing is stored.

Assets

Liabilities (debts)

What your result means

The headline figure is your net worth; the cards below give total assets, total liabilities and the debt-to-asset ratio. The two tables break each side down by item and its share. A negative net worth only means the debts you recorded currently outweigh the values you recorded — it is not a verdict on you. A high or low debt-to-asset ratio is not a credit assessment either; it depends heavily on which values you enter and how you estimate property.

How this calculator works

An asset is something you own that has a monetary value: balances on current, savings and instant-access accounts, a brokerage account, a home you live in or let out, vehicles, precious metals, crypto holdings, the surrender value of insurance policies and the like. A liability is something you owe: mortgages and instalment loans, student or car loans, an overdrawn account, unpaid bills. You enter each item with a name and an amount, and you can add or remove rows. A debt is entered as a positive amount — the minus sign only appears in the difference.

The calculator works out: net worth = total assets − total liabilities. For each side it also shows every item's share of its category total, in per cent. The debt-to-asset ratio is total liabilities divided by total assets, times 100. When no assets are recorded, the ratio is deliberately left without a value (no division by zero).

All amounts are point-in-time figures and come entirely from you. For property, securities and crypto the calculator uses no live prices and no automatic valuation — you enter your own estimate. Internally the calculation is unrounded and only rounded for display.

Formula and variables

NW = ΣA − ΣLDR = ΣL / ΣA · 100 (only if ΣA > 0)Share = Item / Category total · 100
NW
net worth: total assets minus total liabilities (can be negative)
ΣA
total of all assets (accounts, brokerage, property, vehicles, crypto …)
ΣL
total of all liabilities (loans, overdraft, unpaid bills), each as a positive amount
DR
debt-to-asset ratio in per cent; no value when no assets are recorded
Share
an item's share of its category total, in per cent

Worked examples

Example 1: mixed assets and debts

Example inputs
Current account€5,000.00
Brokerage account€20,000.00
Home (own estimate)€300,000.00
Mortgage€180,000.00
Consumer loan€5,000.00
Example results
Total assets€325,000.00
Total liabilities€185,000.00
Net worth€140,000.00
Debt-to-asset ratio56.92%

Assets add up to €325,000.00 and liabilities to €185,000.00. Net worth is €325,000.00 − €185,000.00 = €140,000.00. The debt-to-asset ratio is 185,000 / 325,000 · 100 = 56.92%. The home is about 92.31% of the assets. All figures are example assumptions; the property value is your own estimate.

Example 2: a negative net worth

Example inputs
Current account€4,000.00
Car (own estimate)€6,000.00
Car loan€9,000.00
Overdraft€3,000.00
Example results
Total assets€10,000.00
Total liabilities€12,000.00
Net worth-€2,000.00
Debt-to-asset ratio120%

Here €10,000.00 of assets face €12,000.00 of debts. Net worth is €10,000.00 − €12,000.00 = −€2,000.00, so it is negative — a valid, informative result. The debt-to-asset ratio is 12,000 / 10,000 · 100 = 120%. All figures are example assumptions.

Assumptions

  • All amounts are point-in-time figures in the same currency and come from you.
  • Estimates for property, vehicles, securities and crypto are your own assumptions, not valuations by the calculator.
  • A liability is entered as a positive amount; the sign appears only in the difference.

Limitations of this calculator

  • No sense of how 'rich' you are: no percentile, ranking or population-comparison statistics in the calculator.
  • No statement on creditworthiness, credit score or a lender decision — the debt-to-asset ratio is only a ratio.
  • No live valuation of property, securities or crypto; no prices or market data are fetched.
  • No storage of your inputs: everything stays in your browser and is gone once you close the tab.
  • The calculator only structures and adds up what you enter; the completeness and accuracy of the items is up to you.

Common misconceptions

  • Expecting a ranking: The tool shows only your own figures; it has no percentile, ranking or population comparison built in.
  • Reading the ratio as a credit score: The debt-to-asset ratio is a plain ratio, not a statement about creditworthiness or a lender decision.
  • Entering debts as negative numbers: Enter every liability as a positive amount; the sign appears only in the net-worth difference.
  • Waiting for a live valuation: Property, shares and crypto are your own point-in-time estimates — no prices are fetched.

Frequently asked questions

What counts as an asset and what as a debt?

An asset is anything you own that has a monetary value: account balances, a brokerage account, property, a vehicle, precious metals, crypto holdings, the surrender value of insurance. A debt is anything you have to repay: mortgages and instalment loans, a student or car loan, an overdrawn account, unpaid bills. You enter both as positive amounts; net worth is the difference.

Does it tell me whether I am rich or where I stand?

No. The calculator shows only your own figures. It deliberately has no percentiles, no ranking and no population comparison. Comparison figures on wealth distribution come only from proper official statistics and cannot sensibly be equated with a single snapshot like this.

Is the debt-to-asset ratio a credit assessment?

No. The ratio is your total liabilities divided by your total assets. It is a plain ratio and not a statement about creditworthiness, a credit score or a possible lending decision. Lenders also weigh income, collateral and payment history.

What value should I enter for my home or my shares?

Your own reasonable estimate as of today. The calculator fetches no prices and no market data and values nothing automatically. For property a cautious market value helps; for securities and crypto the last known price. When in doubt, work with a range.

Are my inputs stored?

No. The calculation runs entirely in your browser. No inputs are stored, sent to a server or analysed; once you close the tab the figures are gone.

Sources and further reading

Official and independent sources on this topic. The links open each website in a new tab; no content is loaded from them into this page.

Spotted an error in the calculation or the text?

If you notice something that is wrong or unclear: let us know via the contact page. We review every report.

Last reviewed: 12/09/2026 · All calculations run in your browser – inputs are not stored. ·How we check our calculators