Net Worth Calculator
Calculate your personal net worth by totalling your assets and subtracting your liabilities. Add or remove items in each category to match your financial picture.
Assets
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Liabilities
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What is net worth?
Net worth is the difference between everything you own (assets) and everything you owe (liabilities). It is the most comprehensive single-number snapshot of your financial position. A positive net worth means your assets exceed your debts; a negative net worth means you owe more than you own.
Net worth naturally changes throughout life. Young adults often have negative net worth from student loans before building savings. As you pay down debt and accumulate assets, net worth grows. Tracking it annually is a more meaningful measure of financial progress than monthly income or spending alone.
What counts as an asset?
Assets are things you own that have monetary value. They fall into two broad categories:
- Liquid assets — cash, checking and savings accounts, money market funds. Can be accessed quickly.
- Illiquid assets — real estate, retirement accounts, investment portfolios, business equity, vehicles, collectibles. May take time or incur costs to convert to cash.
For vehicles and property, use current market value rather than purchase price. Use the current account balance for investments and retirement accounts — don't factor in potential future growth.
Frequently asked questions
Should I include my pension or 401(k) in net worth?
Yes, include the current account balance of defined contribution plans (401k, IRA, SIPP, etc.). For defined benefit pensions, you can estimate the lump-sum equivalent using the annual payout multiplied by a factor of 20–25, or simply note it separately as it is harder to value precisely.
Is my net worth data sent to your servers?
No. All calculations happen entirely in your browser. None of the values you enter are transmitted anywhere. Refreshing the page will clear your data.
What is a good net worth?
Net worth norms vary enormously by age, location, and income. A common rule of thumb for retirement readiness is to have a net worth of at least 25× your annual expenses (the 4% rule). More practically, the key metric is whether your net worth is growing consistently over time — not the absolute number at any given moment.
