Debt-to-Asset Ratio Calculator
Work out your debt-to-asset ratio and see whether your debts are a healthy share of what you own.
Assets and debts are totaled in your browser — your full financial picture stays on your device.Try: Cash & savings=15000, Investment accounts=40000, Home value=320000, Retirement accounts (401k/IRA)=60000, Vehicle value=18000, Other assets=5000, Mortgage balance=250000, Auto loan=8000, Credit card debt=2000, Student loan=15000, Other debt=0, Your age (for percentile)=35 → $458,000, $275,000, $183,000, $70,000, $53,000, 60.0%
How to use
The debt-to-asset ratio is total debt divided by total assets. Under 40% is generally considered healthy; 40–60% is common for homeowners with a mortgage; above 60% means debts are a large slice of your wealth. This tool shows the ratio alongside your full net worth so you can see both the score and the picture behind it.
FAQ
What is a good debt-to-asset ratio?
Under 0.4 is the usual healthy threshold. It means less than 40 cents of every dollar you own is owed to someone else. The lower, the more cushion you have.
Is a high ratio always bad?
Not always. A young homeowner can have a ratio above 0.6 simply because the mortgage is large and home equity is still building. Watch the trend, not just the snapshot.