Planning
Net worth calculator
List what you own and what you owe to see your net worth, how much of it is liquid and how heavily your assets are financed by debt.
Some inputs need attention. The results below are from your last valid entries.
Assumptions
Liquid net worth counts cash and taxable investments minus student loans, credit cards and other debts, and leaves out home equity and retirement accounts. Values are estimates as of today; asset values change, and retirement accounts may owe tax when withdrawn.
What your assets are made of
| Item | Type | Amount | % of total assets |
|---|---|---|---|
| Cash and savings | Asset | $15,000 | 3.53% |
| Taxable investments | Asset | $40,000 | 9.41% |
| Retirement accounts | Asset | $60,000 | 14.12% |
| Home | Asset | $300,000 | 70.59% |
| Other assets | Asset | $10,000 | 2.35% |
| Mortgage | Debt | $220,000 | 51.76% |
| Student loans | Debt | $20,000 | 4.71% |
| Credit cards | Debt | $4,000 | 0.94% |
| Other debts | Debt | $8,000 | 1.88% |
What net worth tells you
Net worth is everything you own minus everything you owe. It is a snapshot of financial position, not income: two people with the same salary can have very different net worth depending on savings, home equity and debt. Tracking it once or twice a year shows the direction you are heading, which is often more useful than any single number.
Methodology
Total assets are the sum of the five asset lines and total liabilities the sum of the four debt lines, so net worth = assets − liabilities. Liquid net worth is cash plus taxable investments minus student loans, credit cards and other debts, which approximates what you could reach without selling your home or touching retirement accounts, after clearing non-mortgage debt. The debt-to-asset ratio is liabilities divided by assets. When assets are zero the ratio is shown as text rather than a number.
Getting honest inputs
- Use current balances from statements rather than memory.
- Value your home at a realistic sale estimate, and vehicles at resale value, not what you paid.
- Retirement balances are shown before taxes, so your spendable amount may be lower.
- Negative net worth is common early in life, especially with student loans, and it is not a verdict on your future.
What to do with it
If debts stand out, compare payoff strategies in the debt payoff calculator. To see where the balance could go, project it with the compound interest calculator or the retirement calculator. Our emergency fund guide explains how much cash to keep liquid.
Frequently asked questions
What is a good net worth?
There is no single answer; it depends on age, income, location and goals. Rather than comparing with others, watch your own trend over time. Rising net worth generally means you are building financial resilience.
Should I include my home?
Yes, as an asset, with the mortgage as a liability. Home equity counts toward net worth but is not liquid, which is why the calculator also shows liquid net worth.
Can net worth be negative?
Yes, when debts exceed assets. That is common with recent student loans or a new mortgage, and it can improve as you pay down debt and save.
How often should I recalculate?
Once or twice a year is enough for most people. Frequent checks mostly capture market noise.
This calculator is for education and illustration. It does not account for taxes, fees or your personal situation unless stated, and is not financial advice.
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