Assets: what you own
Cash and savings you can spend this week. Investments and retirement accounts that grow over years. Real estate, vehicles, and equipment that take time to sell. Enter each at what it would fetch today.
Net worth for a loan, the way a lender reads it.
A lender looks at your net worth before it approves a business, SBA, or real estate loan. Enter five kinds of assets and five kinds of debt and the calculator returns the total, your debt-to-asset ratio, and where you sit against the Federal Reserve's 2025 median for your age group. Nothing is saved or sent anywhere.
Free net worth
calculator.
Enter what you own and what you owe. Balances as of today, at what they would sell for.
Why the number
matters.
A high income can sit next to a falling net worth. This number shows which way yours is moving.
You can earn $200,000 a year and spend $205,000, and your net worth falls. A bank balance shows one account on one day. Net worth adds every account, every property, and every debt into one figure, and the change in that figure from month to month is the clearest read on whether your finances are moving the right way.
Lenders read the same number. A commercial lender or the SBA asks each guarantor for a personal financial statement, which is a net worth calculation with a signature and a few schedules. Knowing your figure before the application means no surprises when the underwriter runs theirs.
Tracking your net worth for yourself, with no loan in sight? Our sister site, NetWorthCalculator.com, is built for that.
Assets and
liabilities.
What goes in each column, and at what value.
Liabilities: what you owe
Credit card balances and bills due inside a year. Mortgages, student loans, and business loans that run for years. Enter the payoff balance, not the monthly payment.
What the ratio
means.
Debt-to-asset ratio is total liabilities divided by total assets. The calculator shows it next to your net worth.
| Ratio | What it says |
|---|---|
| 30% or less | Low debt load. Assets cover debts three times over. Lenders read this as room to borrow. |
| 31% to 50% | Moderate. Common for homeowners with a mortgage. Paying down the highest-rate balance moves the number fastest. |
| 51% to 100% | High. Debts are most of what you own. Expect a lender to ask about cash flow and reserves before adding more. |
| Over 100% | Negative net worth. Debts exceed assets. Debt reduction comes before any new borrowing. |
When you need the
formal statement.
A calculator answers your own question. These situations need a signed personal financial statement.
- Commercial and business loans, where the bank wants a signed statement of assets, liabilities, and net worth from each guarantor.
- SBA loans, which require a specific format, SBA Form 413, from every owner of 20% or more.
- Annual covenant compliance, where many lenders ask for an updated statement every year for the life of the loan.
- Estate, divorce, and immigration filings, each with its own required layout.
StatementsReady builds that statement from the same inputs: link accounts read-only through Plaid or type balances in, add each property with its mortgage, and export a signed PDF, SBA Form 413, or the Chase form. The first one takes about 8 minutes; the next year you roll it forward instead of starting over.
Common questions.
Still have a question?
Get in touch
Does this calculator save my data?
Nothing you type leaves your browser. There is no account, no cookie tied to the numbers, and no upload. Refresh the page and it starts blank.
What counts as personal property?
Items with resale value: vehicles, jewelry, art, collectibles, tools and equipment. Everyday clothing and furniture add up to little at resale, so most people leave them out or enter a modest round number.
Should I use the market value or what I paid?
Market value, meaning what it would sell for today. A lender will check real estate against an appraisal or a recent sale and investments against a current statement, so start from the same numbers.
How often should I check my net worth?
Monthly is enough to see the trend without chasing daily market moves. If you are about to apply for a loan, refresh it the week you apply.
Where do the age benchmarks come from?
The Federal Reserve's 2025 Survey of Consumer Finances, published October 9, 2026, which reports median net worth by the age of the head of household: $33,000 under 35, $155,600 for 35 to 44, $253,700 for 45 to 54, $411,900 for 55 to 64, $431,300 for 65 to 74, and $504,900 for 75 and older. Percentiles for each age group are on our sister site's net worth by age page.
What is the difference between this and a personal financial statement?
This calculator gives you one number. A personal financial statement is the same information laid out the way a lender wants it: assets and liabilities by type, income, contingent liabilities, a schedule for each property, and a signature. Banks and the SBA require the statement.
Start your statement.
Free for 7 days. No credit card.