See your real net worth by totaling every asset and subtracting every liability.
Free net worth calculator that adds up your cash, investments, retirement, home, and vehicles, then subtracts your mortgage, student loans, credit cards, and other debts — to give you one honest number you can track every quarter.
Direct answers to the most common questions, in plain language. Skim if you're in a hurry; dig deeper below.
Total assets minus total liabilities.
Net worth is what you would have left if you sold every asset you own at fair market value and paid off every debt to zero. It is a snapshot of financial position, not income — a high earner with high debt can have a lower net worth than a modest earner who has been disciplined.
A common target is roughly your annual income by 30, 3x by 40, 6x by 50.
Useful benchmarks: about 1x your annual gross income saved by age 30, 3x by 40, 6x by 50, and 8–10x by 60. These are guides, not rules — what matters more is the trajectory than any single number.
Yes, at market value, with the mortgage as a liability.
Include your primary home at its current market value on the assets side, and your remaining mortgage balance on the liabilities side. The net is your home equity, which is real wealth even though it is illiquid.
Once a quarter is plenty for most people.
Quarterly is the sweet spot — frequent enough to catch real trends, infrequent enough to avoid reacting to market noise. Monthly is fine if you enjoy it. Annual updates are the bare minimum.
The mechanics in short answers — no jargon, no upsell.
Cash, brokerage accounts, retirement accounts, your home, vehicles, and anything else you could realistically sell. Use today's value, not purchase price.
Mortgage, student loans, credit card balances, auto loans, and any other debts. The number is the current outstanding balance, not the original loan amount.
The difference is your net worth. If it is negative, that is a starting point — many people begin their adult lives there and climb out within a decade.
A single snapshot is a number; a series of snapshots is a story. The trend is what you actually want to manage.
Designed so anyone can model their situation in under a minute, with or without a finance background.
One honest number that captures every account, every asset, every debt — no more guessing.
A quarterly snapshot turns vague feelings about money into a clear trajectory.
A high income with stagnant net worth means money is leaking somewhere worth finding.
Net worth aligns saving, investing, and debt payoff into a single scoreboard.
A healthier asset base and lower debt means more options if life throws a curveball.
Retirement, FIRE, and big purchases all start from a credible net worth baseline.
Everything you might ask before, during, or after using this tool.
Anything you own that has resale value at a known market price. That includes cash, savings, brokerage and retirement accounts, your home, vehicles, and meaningful collectibles. Personal items with no resale market (clothes, used electronics, most furniture) are typically excluded — including them inflates net worth in a way you can't actually realize.
Market value. Net worth is a snapshot of what you could realize today, so use a current estimate from a recent appraisal or a reputable online estimator. Be conservative — knock 5–10% off automated estimates to account for selling costs.
Yes, at the current balance. Some people prefer to discount it for future taxes since traditional 401(k) withdrawals are taxed. Either approach is defensible — just be consistent over time so the trend is meaningful.
It's common, especially for recent graduates with student loans or new homeowners with high mortgages. What matters is the direction. If your number is climbing each quarter, you're winning. If it's flat or falling despite a decent income, that's the signal to dig in.
Total liabilities divided by total assets, expressed as a percentage. Under 30% is healthy for most households. 30–50% is normal during peak mortgage years. Over 50% is worth examining, and over 80% is a flag — you have very little equity cushion.
Yes, at private-sale value (not dealer trade-in or original purchase price). Cars depreciate fast, so update the figure annually. If you have an auto loan, the balance goes on the liability side.
Income is the flow of money you earn over a period. Net worth is the stock of wealth you have accumulated. A surgeon earning $400k with $300k of student debt and a leased car may have a lower net worth than a teacher who has saved diligently for 20 years.
Three levers: increase income, reduce expenses to widen the savings gap, and invest the gap consistently in diversified, low-cost assets. Paying down high-rate debt (credit cards, personal loans) is mathematically equivalent to a guaranteed return at the debt's rate, which is usually better than any investment.
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The honest answer is: more often than you do, but less often than the personal-finance internet suggests. Quarterly is the sweet spot for most adults. It is frequent enough to catch real changes — a job change, a windfall, a market drawdown — but infrequent enough that you are not reacting to noise.
Calculate it at major life events too. New job, marriage, home purchase, kid arriving, retirement decision — each is a moment where knowing your true financial position changes the choices you make.
Three things, in this order: widen the gap between income and expenses, invest the gap consistently, and avoid catastrophic debt. Everything else is detail.
The cleanest mental model is the "two engines" framework. Engine one is increasing assets — through savings, investing, and asset appreciation. Engine two is decreasing liabilities — by paying down debt faster than you take on new debt. Net worth grows when at least one engine is running. It accelerates when both are.
Most people optimize the wrong engine. They obsess over investment returns (which they can't control) while ignoring debt payoff and lifestyle creep (which they can).
The strict test: could you sell it tomorrow at a roughly known price? Stocks, bonds, your house, your car, your retirement accounts — all yes. Your wardrobe, your couch, your gaming PC — no, even though they cost real money.
There is a gray zone for things like collectibles, jewelry, and crypto. Include them only at conservative liquidation value, and only if you would actually be willing to sell. A vintage watch you would never part with is, for net worth purposes, closer to a hobby than an asset.
The ratio is a single percentage: total debts divided by total assets. It is the single best companion metric to net worth itself, because it captures vulnerability that a positive net worth can hide.
Under 30% is comfortable. 30–50% is typical for a household in peak earning years with an active mortgage. 50–80% means most of what you "own" is actually owned by your lenders, and a job loss or rate spike would hit hard. Over 80% is a red flag worth addressing before you make any other financial moves.
Two short notes worth reading before you trust any number on this page.
Your loan amount, rate, and prepayment inputs never leave your device. No accounts, no cookies on your numbers, no analytics on the values you type. Disconnect from the internet and it still works.
We are not a bank, NBFC, advisor, broker, or distributor of any financial product. The numbers shown here are estimates for educational purposes only, based on the inputs you provide.
Results are not financial, legal, or tax advice. Please consult a qualified professional before any decision about your loan, investments, or personal finances. Actual loan terms and charges depend on your bank and individual circumstances.
