Keel & Charter Calculators

Net Worth Calculator

Net worth is everything you own minus everything you owe. Tracking it once a quarter shows progress that a monthly budget can hide.

Results

How it works

Net worth = total assets - total debts. Debt-to-asset ratio = debts / assets. Net worth without home equity leaves out the home value and the mortgage.

FAQ

Is negative net worth bad?

It is common early on, especially with student loans. The direction over time matters more than the number today.

Should I count my car?

Yes, at what it would sell for today, not what you paid.

How often should I check it?

Monthly or quarterly is plenty.

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Estimates, not tax or financial advice. Check important numbers with a qualified professional.