Add up what you own and what you owe so you can see your net worth in one simple number.
Who this is for
People who want one simple number for what they own minus what they owe.
What to type in
Your asset categories and debt balances.
Start with the assumptions, then use the interpretation below to compare tradeoffs without bouncing between sections.
List what you own first, then list what you still owe.
| name | value | Actions |
|---|---|---|
| name | value | Actions |
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Balance sheet
That comes from $125,000.00 in assets minus $80,000.00 in debts.
64.0% of your assets are offset by debt.
Net worth is a snapshot, not a grade. It is most useful when you track the direction over time.
This view is strongest when you include all major debts and assets, not just the easy ones.
If debt is taking up too much of the balance sheet, focus first on high-interest balances before optimizing smaller items.
Revisit this monthly or quarterly so it becomes a trend line instead of a one-time number.
Results
Relative comparison of your main outputs
Net worth
$45.0K
Total assets
$125.0K
Total debts
$80.0K
Debt as % of assets
64.0%
Net worth
$45.0K
Total assets
$125.0K
Total debts
$80.0K
Debt as % of assets
64.0%
Clarity replaces one-off balance-sheet snapshots with a connected net worth timeline across all the institutions and assets you already use.
Use this if you want to understand how the calculator works, not just plug in numbers.
Step 1
Enter asset categories and their current market values.
Step 2
Enter debt categories and their current payoff balances.
Step 3
Review net worth, assets-to-debt ratio, and debt share of assets.
These cover the assumptions, tradeoffs, and edge cases behind the calculator.
Use the calculator for the math, then use these guides to make the decision with more confidence.
guide
Budget calculator
Connect monthly cash flow with long-term balance sheet growth.
/tools/budget-50-30-20
guide
Investment return calculator
Project how the asset side of your net worth could change.
/tools/investment-return
guide
Learn library
Guides on assets, liabilities, and household balance sheets.
/learn
50/30/20 Budget
Split take-home pay into needs, wants, and savings with baseline 50/30/20 or custom ratio budgeting in one clear view.
Emergency Fund
Set a 3, 6, 9, or 12-month emergency-fund target, track progress, and estimate time-to-goal from your monthly savings rate.
Debt Payoff
Compare avalanche and snowball payoff plans and inspect month-by-month remaining balances.
FIRE
Estimate your financial independence target, years to FIRE, and progress using savings and spending assumptions.