Net Worth Calculator
Enter your assets (cash, investments, retirement accounts, real estate, vehicles) and liabilities (mortgage, auto loan, credit cards) by category to calculate your net worth and see a breakdown chart of each side.
What is net worth?
Net worth is the total value of everything you own (your assets, such as cash, investments, and real estate) minus everything you owe (your liabilities, such as a mortgage or credit card balance). It condenses your entire financial picture at a single point in time into one number, which is why it's widely used to set and track financial goals.
This tool lets you break both assets and liabilities down into several categories, so you can see not just your net worth total but also how it's composed — for example, how much of your assets are tied up in real estate, or what share of your debt comes from your mortgage. That category-level breakdown, shown as pie charts, is something a simple total-only calculator can't show you.
How to use
- Enter your assets by category Fill in cash & savings, investments, retirement accounts, real estate, vehicles, and other assets
- Enter your liabilities by category Fill in your mortgage, auto loan, student loan, credit card, and other debt balances
- Review the result See your net worth, total assets, total liabilities, debt-to-asset ratio, and a breakdown chart for each side
Tips for getting more out of it
- For real estate and vehicles, enter today's market value rather than what you originally paid — this gives a much more accurate net worth figure.
- Investment values fluctuate with the market, so recalculating regularly and tracking the trend over time is more useful than focusing on any single snapshot.
- If your debt-to-asset ratio is above 50%, a large share of your assets is effectively offset by debt — consider using money.wealth.debt_payoff to plan which balances to tackle first.
- Retirement accounts are generally locked up until a certain age, so keeping them separate from your liquid assets helps when thinking about near-term cash flow.
Use cases
Track your progress over time
Recalculate periodically to see whether your net worth is growing and how your asset mix is shifting
Starting point for retirement planning
Knowing your current net worth gives you a realistic baseline before using money.wealth.retirement to plan your target savings
Spot an unbalanced debt load
A high debt-to-asset ratio is a signal to prioritize which debts to pay down first with money.wealth.debt_payoff
Review your asset allocation
Check the asset breakdown chart to see if your holdings are too concentrated in cash, investments, or real estate
Glossary
- Net worth
- Total assets minus total liabilities. A positive number means your assets exceed your debts; a negative number means the opposite.
- Liquid assets
- Assets like cash and publicly traded stocks that can be converted to cash relatively quickly, as opposed to illiquid assets like real estate.
- Retirement accounts
- Tax-advantaged accounts such as a 401(k) or IRA that are set aside specifically for retirement savings.
- Debt-to-asset ratio
- Total liabilities divided by total assets. A higher ratio means a larger share of your assets is offset by debt.
Frequently asked questions
Side Note — where the idea of tracking your net worth came from
The idea of calculating a personal net worth is often traced back to corporate accounting, where a balance sheet lists assets and liabilities to arrive at shareholders' equity. Applying that same framework to a household lets you see a financial snapshot (a stock, in accounting terms) that day-to-day income and spending figures (a flow) simply can't capture on their own.
The practice of tracking net worth regularly became especially popular through the FIRE (Financial Independence, Retire Early) movement, whose followers often log their net worth monthly as a way to stay motivated and measure progress toward a savings goal. Watching the long-term trend tends to feel more meaningful than any single month's cash flow.
Many people think of "wealth" purely in terms of what they own — savings, a home, investments — without weighing it against what they owe. Looking at both sides of the ledger together, as this tool does, gives a more honest picture of where you actually stand financially than looking at assets alone.