Net worth calculator
Net worth is everything you own minus everything you owe. Enter your balances to see the total, and what share of your assets are liquid.
A snapshot of balances you enter; not a valuation of your finances or an investment recommendation.
How this calculator works
Net worth is a stock, not a flow: it is a snapshot of balances at one moment. Income and spending change it over time, but only through what they do to assets and debts.
A high net worth built almost entirely from one house is fragile: the asset is illiquid and its price is local. The liquid share shown here (cash divided by total assets) is a rough measure of how much of your balance sheet you could actually spend without selling property.
The formula
total assets = cash + investments + property + other assets
net worth = total assets − total debts
liquid share = cash ÷ total assets × 100With $25,000 cash, $150,000 invested, $300,000 of property and $220,000 of debt, net worth is $255,000 and only 5.3% of assets are liquid.
Worked example
Your assets total $475,000, debts are 220,000, so net worth is $255,000. Cash is 5.3% of total assets.
Common mistakes
- Counting a car or furniture at purchase price. These depreciate fast; use a realistic resale value, or leave them out.
- Forgetting the mortgage balance. The house is an asset and the loan is a liability — include both or the number is meaningless.
- Comparing net worth across ages. Early-career net worth is often near zero or negative while student loans are being repaid; the trend matters more than the level.
Frequently asked questions
Is net worth the same as savings?
No. Savings are one asset. Net worth nets every asset against every debt, including a mortgage and retirement accounts.
Should retirement accounts be included?
Yes, at their current balance. They are assets, even though they are not accessible without penalty before retirement age — which is why the liquid share is shown separately.
How often should I calculate it?
Quarterly is enough for most people; monthly if you are tracking a payoff plan closely.
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