Solvency Score
See how your assets and debts stack up. This tool estimates your net worth, debt-to-asset ratio, and a solvency score from 0–100 to reflect your long-term financial resilience.
How the Solvency Score works
Core ingredients
- Total assets: Liquid, investment, property, and other assets.
- Total debts: Mortgage, student loans, credit cards, and other obligations.
- Net worth: Assets minus debts.
- Debt-to-asset ratio: Debts divided by assets.
- Asset mix: Share of assets that are liquid vs long-term.
Using your score
- Lower scores often reflect high debt relative to assets or negative net worth.
- Mid-range scores suggest progress but room to strengthen your balance sheet.
- Higher scores usually mean strong net worth and manageable debt relative to assets.
Treat this as a snapshot, not a verdict. Over time, paying down debt, building savings, and investing consistently can shift your solvency profile.
Frequently Asked Questions
Is this an official net worth statement?
No. It’s a simplified estimate based on the numbers you enter. For formal planning, consider working with a professional.
What is a “good” debt-to-asset ratio?
Lower ratios generally mean less leverage. The right level depends on your goals, age, and comfort with risk.
How often should I update this?
Many people revisit their solvency picture annually or after major changes (home purchase, big debt payoff, inheritance).
Does the tool store my data?
Inputs are stored locally in your browser using localStorage so you can revisit them. They are not sent to external services unless you enable analytics or ads via the cookie banner.
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Information on this site is for educational purposes only and is not financial, tax, or legal advice. Calculations and scores are estimates and may not reflect actual outcomes. See our Privacy Policy and Disclaimer.