What is a good debt-to-asset ratio?

A debt-to-asset ratio below 50% is generally considered healthy — it means you owe less than half of what you own. Below 30% is strong. Above 80% signals high financial risk. The ratio is calculated as Total Liabilities divided by Total Assets, expressed as a percentage.

How do I project my future net worth?

Use the compound growth formula: Future Value = Current Net Worth × (1 + r)^n + Monthly Savings × ((1 + r)^n - 1) / r, where r is the monthly return rate and n is the number of months. For example, $100,000 today with $1,500/month savings at 7% annual return grows to roughly $373,000 in 10 years.

How long will it take to reach a net worth of $1,000,000?

It depends on your starting net worth, monthly savings rate, and investment returns. For example, starting from $50,000 with $2,000/month savings at a 7% annual return, it would take approximately 17 years to reach $1,000,000. Use the Milestone Tracker tab to calculate your specific timeline.

Does this calculator account for taxes and inflation?

No — this is a universal pure-math calculator. It does not include taxes, inflation, or fees. For a real-after-inflation estimate, subtract your country's inflation rate (typically 2-3%) from the expected return rate. For example, use 4-5% instead of 7% to get a rough inflation-adjusted projection.

Net Worth Calculator

Q: How do I calculate my net worth?

Add up all your assets (cash, savings, investments, real estate, vehicles, and other valuables) and subtract all your liabilities (mortgage, student loans, car loans, credit card balances, and other debts). Net Worth = Total Assets - Total Liabilities. A positive number means you own more than you owe.

Calculate your net worth, project how it grows over time, or find out when you will hit your financial milestone. Enter your own numbers — works for any country.

Currency

All amounts displayed in selected currency

Assets

Cash & savings

Checking, savings, emergency fund

Investments

Stocks, bonds, retirement accounts

Real estate

Market value of property you own

Vehicles

Cars, motorcycles, boats

Other assets

Jewelry, collectibles, business equity

Liabilities

Mortgage

Remaining balance on home loan

Student loans

Outstanding education debt

Car loans

Outstanding vehicle financing

Credit cards

Total credit card balances

Other liabilities

Personal loans, medical debt, etc.

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Estimates only. This calculator uses pure math — no country-specific financial data. Consult a financial advisor for personalized guidance.

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How to Use This Calculator

Tab "Calculate"

Enter the current value of your assets (cash, investments, retirement accounts, property, vehicles, and any other valuables) and your liabilities (mortgage, student loans, car loan, credit card debt, and other debts). The calculator instantly shows your total net worth, asset-to-debt ratio, and debt as a percentage of assets.

Tab "Breakdown"

Uses the same asset and liability inputs to show a visual breakdown of where your wealth sits. See the split between liquid assets (cash and investments you can access quickly) and illiquid assets (property, vehicles, retirement accounts). A horizontal bar chart shows each category side by side.

Tab "Track Growth"

Enter your net worth at two points in time and the number of years between them. The calculator computes your CAGR (Compound Annual Growth Rate) and projects your net worth forward at that same rate. Useful for annual check-ins to see if you are on track.

The Formulas

Net worth:
Net Worth = Total Assets − Total Liabilities

Liquid assets:
Liquid = Cash + Investments
(assets that can be converted to cash quickly)

Illiquid assets:
Illiquid = Property + Vehicles + Retirement + Other
(assets that take time to sell or may have withdrawal penalties)

Growth rate (total):
Growth Rate = (End − Start) / Start

CAGR (Compound Annual Growth Rate):
CAGR = (End / Start)^1/years − 1
Represents the smoothed annual rate at which net worth grew

Projection:
Future Value = Current Net Worth × (1 + CAGR)^years

All calculations use standard financial mathematics. No country-specific tax rates or thresholds are applied. Results are pre-tax estimates.

Worked Examples

Example 1 — Calculate net worth: $515K assets, $311K liabilities

A mid-career homeowner adds up all assets and liabilities at current market values.

Cash and savings$25,000

Investments$80,000

Retirement accounts$45,000

Property$350,000

Vehicles$15,000

Total assets$515,000

Mortgage$280,000

Student loans$20,000

Car loan$8,000

Credit cards$3,000

Total liabilities$311,000

Net worth$204,000

Calculation: $515,000 − $311,000 = $204,000 net worth. The asset-to-debt ratio is 1.66x, meaning assets are 66% larger than debts.

Example 2 — Track growth: $204K to $258K over 2 years

The same person checks their net worth two years later and finds it has grown to $258,000.

Starting net worth$204,000

Ending net worth$258,000

Time period2 years

Total growth$54,000 (26.5%)

CAGR12.4%

Calculation: CAGR = (258000 / 204000)^1/2 − 1 = (1.2647)^0.5 − 1 = 0.1244 = 12.4%. At this rate, net worth would reach roughly $683,000 in 10 more years.

Example 3 — Breakdown: 68% illiquid, 32% liquid

Using the same $515,000 in assets from Example 1, the breakdown reveals liquidity.

Liquid assets (cash + investments)$105,000 (20.4%)

Illiquid assets (property + vehicles + retirement + other)$410,000 (79.6%)

Nearly 80% of total assets are tied up in property, retirement, and vehicles. While net worth is positive, only $105,000 is readily accessible. A financial adviser might suggest building the liquid portion to at least 25-30% for better financial flexibility.

Understanding Net Worth

Why Net Worth Matters

Net worth is the single most important number in personal finance. Unlike income (which measures flow), net worth measures stock — the total financial position at a point in time. Two people earning the same salary can have vastly different net worths depending on saving habits, debt levels, and investment returns.

Liquid vs Illiquid Assets

Liquid assets include cash, savings accounts, and investment accounts that can be sold within days. Illiquid assets include real estate (takes weeks or months to sell), retirement accounts (may have early withdrawal penalties), vehicles (depreciate and take time to sell), and collectibles. A healthy financial position has enough liquid assets to cover 3-6 months of expenses.

Net Worth by Age

Net worth typically follows a pattern: negative or near-zero in your 20s (student loans), growing in your 30s-40s (career growth, home equity), accelerating in your 50s-60s (compounding investments), and peaking around retirement. The trajectory matters more than the absolute number — consistent growth year over year is the goal.

CAGR as a Health Check

Tracking CAGR (Compound Annual Growth Rate) over multiple years gives a clearer picture than looking at any single year. A CAGR of 8-15% is strong for most people. If your CAGR is below inflation (2-3%), your real purchasing power is shrinking even if the nominal number goes up.

Frequently Asked Questions

How do I calculate my net worth?↓

Add up the current market value of everything you own (cash, investments, retirement accounts, property, vehicles, other valuables) and subtract all outstanding debts (mortgage, student loans, car loan, credit card balances, other debts). The result is your net worth. For example: $515,000 in assets minus $311,000 in liabilities = $204,000 net worth.

What is the difference between liquid and illiquid assets?↓

Liquid assets are things you can convert to cash quickly without significant loss — bank accounts, stocks, bonds, and money market funds. Illiquid assets take longer to sell or may lose value if sold quickly — real estate, vehicles, retirement accounts with withdrawal penalties, and collectibles. Financial advisers recommend keeping 20-40% of assets in liquid form.

How is CAGR calculated for net worth?↓

CAGR = (End Value / Start Value) raised to the power of (1 / years) minus 1. For example, if your net worth grew from $150,000 to $204,000 over 2 years: CAGR = (204000/150000)^(0.5) − 1 = 16.6% per year. CAGR smooths out year-to-year fluctuations to give a single annualised growth rate.

Should I include my home in net worth?↓

Yes. Include your home at its current market value (not purchase price) as an asset, and the remaining mortgage balance as a liability. The difference is your home equity. Some financial planners calculate both "total net worth" (including home) and "investable net worth" (excluding home) since you need somewhere to live.

Does this calculator account for taxes?↓

No. This is a universal pre-tax calculator. Selling assets may trigger capital gains tax, and retirement account withdrawals may be taxed as income. The tax impact varies by country, account type, and individual circumstances. For country-specific calculations, use the "Calculate for your country" links below.

Calculate for Your Country

For country-specific calculators that account for local tax rules, retirement accounts, and regulations:

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