Net Worth Calculator
Add up your assets, subtract your liabilities, and see your net worth, total assets, total liabilities, and debt-to-asset ratio in one place.
Add up what you own, subtract what you owe, and the difference is your net worth. Fill in only the lines that apply — blanks count as zero.把你拥有的加起来，减去你欠下的，两者之差就是你的净资产。只需填写适用的项目——留空即计为零。
Fill in any of the lines above to see your net worth.填入上方任意项目即可查看净资产。
- Total assets总资产
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- Total liabilities总负债
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- Debt-to-asset ratio资产负债率
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Your net worth is everything you own minus everything you owe. Add up your assets — cash, investments, retirement, property, vehicles — then subtract your liabilities — mortgage, loans, card balances. The number that remains is a single snapshot of your financial standing on this day. It can be positive, zero, or negative, and the sign matters less than the direction it moves over time.你的净资产，就是你所拥有的一切，减去你所欠下的一切。把资产加起来——现金、投资、退休金、房产、车辆——再减去负债——房贷、贷款、信用卡余额。剩下的数字，是你今天财务状况的一张快照。它可以为正、为零，或为负；相比正负号，它随时间移动的方向更重要。
01The formula公式
Total liabilities = sum of everything you owe总负债 = 你欠下的一切之和
Net worth = Total assets − Total liabilities净资产 = 总资产 − 总负债
Debt-to-asset ratio = 100 × Total liabilities ÷ Total assets资产负债率 = 100 × 总负债 ÷ 总资产
The debt-to-asset ratio is the share of your assets that is financed by debt. At 0% you owe nothing against what you own; at 100% your debts equal your assets and your net worth is zero; above 100% you owe more than you own, so net worth is negative. It is the same picture as net worth, expressed as a ratio that is easy to compare across very different balance sheets.资产负债率，是你的资产中由债务支撑的那一部分占比。为 0% 时，你对所拥有的东西毫无欠款；为 100% 时，债务恰好等于资产，净资产为零；超过 100% 时，你欠的比拥有的还多，净资产因此为负。它与净资产是同一幅图景，只是用一个便于在差异极大的资产负债表间比较的比率来表达。
02A worked example一个算例
Suppose a household owns $300,000 in total assets — a home, a brokerage account, some cash — and owes $180,000 in total, mostly a mortgage.假设一个家庭拥有总资产 $300,000——一套住房、一个证券账户、一些现金——总共欠款 $180,000，其中大部分是房贷。
- Net worth = 300,000 − 180,000 = $120,000净资产 = 300,000 − 180,000 = $120,000
- Debt-to-asset ratio = 100 × 180,000 ÷ 300,000 = 60%资产负债率 = 100 × 180,000 ÷ 300,000 = 60%
- So 60% of what the household owns is financed by debt, leaving $120,000 of genuinely owned value.因此，家庭所拥有的东西中有 60% 由债务支撑，剩下 $120,000 是真正属于自己的净值。
A positive net worth is not the whole story. A household with $120,000 net worth and a 60% debt ratio is more exposed than one with the same net worth and a 20% ratio — the first carries far more debt against its assets, and is more sensitive to falling asset prices or rising rates.正的净资产并非全部。一个净资产 $120,000、负债率 60% 的家庭，比另一个同样净资产但负债率 20% 的家庭承担更大风险——前者的资产背负着多得多的债务，对资产价格下跌或利率上升也更为敏感。
03The common trap常见陷阱
The most common mistake is entering a home or car at its full market value while leaving out the loan against it. A $450,000 house with a $320,000 mortgage adds only $130,000 to your net worth, not $450,000. Always pair each financed asset with its outstanding balance: enter the property in the assets column and the mortgage in the liabilities column so the two net correctly.最常见的错误，是按全额市值填入房产或车辆，却漏掉了针对它的贷款。一套 $450,000 的住房若还欠 $320,000 房贷，实际只为你的净资产增加 $130,000，而非 $450,000。务必把每一项有贷款的资产与其未偿余额配对：在资产栏填入房产，在负债栏填入房贷，两者才能正确相抵。
04Where this breaks它的局限
Net worth is a clean snapshot, but a snapshot leaves things out. A few honest limits:净资产是一张干净的快照，但快照总有遗漏之处。几点诚实的局限：
- Values are estimates. Homes, private businesses and cars are worth what they sell for, not what you type in. Use conservative market values, and remember a sale may bring costs — commissions, taxes — that shrink the real figure.估值只是估计。房产、私人企业和车辆值多少，取决于它们能卖出的价格，而非你填入的数字。请采用保守的市值，并记住出售可能产生成本——佣金、税费——从而缩水真实数字。
- Liquidity is invisible here. Two people with identical net worth can be worlds apart if one holds mostly cash and the other mostly a house that takes months to sell. Net worth does not tell you what you could spend tomorrow.流动性在这里看不见。两个净资产相同的人可能天差地别——若一人主要持有现金，另一人主要持有一套要数月才能卖出的房子。净资产不会告诉你明天能动用多少。
- It is a moment, not a trend. One reading means little. The value comes from tracking the same calculation over months and years, so the direction — rising, flat, or falling — becomes visible.它是一个瞬间，而非一段趋势。单次读数意义有限。真正的价值来自于在数月乃至数年间持续用同一方法计算，从而让方向——上升、持平或下降——变得清晰可见。
Net worth is what you own minus what you owe. Track the same number over time — the trend tells you more than any single reading.净资产就是所拥有的减去所欠下的。持续追踪同一个数字——趋势比任何单次读数都更能说明问题。
See what a growing balance can become with the 用 compound growth calculator复利增长计算器, or measure a portfolio’s annual growth with the 看看不断增长的余额能变成什么，或用 CAGR calculatorCAGR 计算器.衡量投资组合的年化增长。