Debt vs. Asset Ratio

Assess your financial leverage and structural health by comparing your total liabilities against your total assets.

Assets
Cash, savings, checking accounts, money market funds.
$
Stocks, bonds, retirement accounts (401k, IRA), mutual funds.
$
Primary residence, real estate market value, vehicles, valuables.
$
Liabilities (Debts)
Credit card balances, personal loans, personal lines of credit.
$
Mortgages, auto loans, student loans, business debt.
$
Debt-to-Asset Ratio
33.6%
Healthy
0% Conservative (<40%) Moderate (40-60%) High (>60%)
Total Assets $550,000.00
Total Debt $185,000.00
Net Wealth (Equity) $365,000.00
Your total liabilities represent 33.6% of your total assets. This leaves you with a solid equity cushion of 66.4%, positioning you well within a structurally safe financial risk threshold.