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Net Worth Calculator
What you own minus what you owe — the simplest true measure of your finances. This net worth calculator runs it as you type, then adds liquid net worth, a debt-to-asset ratio and a growth projection you can export or share.
See how this works on a $336,000 net worth — 3 real examples
Optional: project it forward
Net worth (assets − liabilities)
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Total assets
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Total liabilities
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Liquid net worth
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Debt-to-asset
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Where your net worth comes from
Assets set the scale, liabilities take their share, and what’s left is your net worth.
What you own vs what you owe
Assets and liabilities split the ring; your net worth is shown in the center.
Projected net worth over 10 years
Your net worth today, then growing at the assumed rate with your annual saving added each year.
Your net-worth statementEvery asset and liability, itemized
| Asset | Value | Liquid |
|---|---|---|
| Total assets | — |
| Liability | Balance |
|---|---|
| Total liabilities | — |
Year-by-year projectionNet worth if you keep saving and investing
| Year | Net worth | Change |
|---|
How your net worth is calculated
Net worth is pure arithmetic — no market data, no assumptions:
Net worth = Σ assets − Σ liabilities
Liquid net worth = Σ (liquid assets) − Σ liabilities
Debt-to-asset % = 100 × total liabilities / total assets
We add up every asset value you enter, add up every liability balance, and subtract the second total from the first. Liquid net worth repeats the math but counts only assets you flagged as liquid, so it can be negative even when total net worth is comfortably positive — a sign your wealth is tied up in a home or retirement plan. Thedebt-to-asset ratio shows what share of what you own is financed by debt; lower is safer. The donut simply splits the combined footprint of assets and liabilities so you can see the two totals against each other at a glance.
The optional projection is a deliberately simple consumer model: each year we grow the whole net worth by your assumed rate and add your annual saving, i.e.next = worth × (1 + growth) + saving. It applies one blended rate to everything rather than modelling each asset class separately, so treat it as a rough trajectory, not a forecast. Amounts are taken at the value you enter — use current market value for a home or car, not the purchase price. This tool is for education and planning, not financial advice, and it does not compare you to net-worth-by-age or percentile benchmark tables.
One balance sheet, today and ten years out
The sample statement’s $336,000, read three ways: what it is now, where 5% growth alone takes it, and what saving $20,000 a year adds.
What the sample statement says now
net worth$336,000
- $625,000 of assets carries $289,000 of debt — a 46.24% debt-to-asset ratio.
- Only $80,000 of the assets is liquid; the home and retirement plan hold the rest.
- Liquid net worth sits at minus $209,000, even while the headline number looks comfortable.
One healthy number and one negative one, from the same balance sheet — both are true.
Load this example (opens in a new tab)Growth alone: 5% a year, nothing added
in 10 years$547,309
- With nothing new saved, 5% growth alone lifts $336,000 to $547,309 in ten years.
- That is $211,309 of growth, every dollar of it earned by money already in place.
- The projection applies one blended rate to the whole balance and adds nothing else.
Money already invested keeps working unaided — the base case every saving choice is measured against.
Load this example (opens in a new tab)Growth plus a $20,000-a-year habit
in 10 years$798,866
- Adding $20,000 a year turns the ten-year figure into $798,866 — $251,557 past coasting.
- Deposits account for $200,000 of that gap; growth on those deposits supplies the other $51,557.
- More than half of the decade’s $462,866 gain now comes from the saving, not the starting pile.
Growth built the floor; the $20,000 habit builds the difference between good and great.
Load this example (opens in a new tab)Illustrations only, not financial advice. Your own rate, taxes and insurance will differ — check with a qualified financial advisor before acting on any of this.
Reading your net worth, in plain English
- The trend beats the number. A single net worth figure means little; the same number tracked month over month tells you whether you are building wealth. Bookmark your share link and revisit it.
- Liquid net worth is your safety net. If most of your worth is in your home and retirement accounts, your liquid figure — and emergency fund — deserves attention even when the headline looks great.
- Watch the debt-to-asset ratio. Below about 30% is comfortable; a high ratio means a downturn in asset values could wipe out your equity quickly.
- Two levers move it. Save and invest to grow assets with a savings plan or budget, and cut liabilities with a debt-payoff plan.
- Retirement accounts count. Your 401(k) and IRA are real net worth even though you cannot spend them today — see how they compound in the retirement calculator.
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Frequently asked questions
What is net worth and how do you calculate it?
Net worth is the assets-minus-liabilities figure that sums up your whole financial picture: everything you own (cash, investments, retirement accounts, property, vehicles) minus everything you owe (mortgage, auto and student loans, credit-card balances). With the sample numbers loaded here — $625,000 in assets and $289,000 in debts — net worth is $336,000. That single number, tracked over time, tells you far more than any one account balance.
Which assets and liabilities should I include?
Include every asset with real resale value: bank and cash accounts, brokerage and retirement accounts, your home and any other real estate, vehicles, and valuable personal property or a business stake. On the liability side, list every outstanding balance — mortgage and home-equity loans, auto loans, student loans, credit cards, and personal or consumer loans. Skip income and monthly expenses; those are cash-flow items, not balance-sheet items, so they never belong in a net worth calculation.
Should I use the market value or the purchase price of my home and car?
Always use current market value, not what you originally paid. For a home, use a recent comparable-sales estimate or appraisal; for a car, use a resale guide such as a trade-in value. Net worth is meant to reflect what you could realistically convert to cash today, so an outdated purchase price — higher for a home that has appreciated, lower for a car that has depreciated — would distort the result.
What is the difference between net worth and liquid net worth?
Net worth counts every asset; liquid net worth counts only assets you could turn into cash quickly — checking, savings and taxable investments — minus all your liabilities. Because a home and retirement accounts are hard to tap without selling, moving or paying penalties, this liquid net worth calculator shows both figures side by side. With the defaults here total net worth is a healthy $336,000, yet liquid net worth is negative, which is a useful signal that most of the wealth is tied up in the house and retirement plan.
What counts as a good net worth for my age?
There is no universal number, and this tool deliberately does not quote percentile-by-age benchmark tables. What "good" means depends on your income, cost of living, age, family situation and goals — a positive and rising net worth, low debt-to-asset ratio and growing liquid cushion are far better signals than any single target. The most useful comparison is to your own number a year ago: trending up over time is what matters.
How can I increase my net worth over time?
Two levers move net worth: grow assets and shrink liabilities. Save and invest consistently so the asset side compounds, and pay down high-interest debt — especially credit cards — so the liability side falls. Building a budget and a debt-payoff plan usually moves the number faster than chasing investment returns. Use the projection sliders here to see how a steady annual saving amount and a modest growth rate compound your net worth over the next several years.
Can I save and share my net worth, and is it private?
Yes. Every asset and liability you enter is encoded into the page URL, so the Share button hands you a link that reproduces your exact statement — nothing is stored on a server and there is no sign-up. That makes this a private net worth tracker: bookmark the link, revisit it monthly, and export a full statement to CSV or PDF whenever you want a snapshot to compare.
Disclaimer: these calculators are educational tools, not financial advice. They model your inputs with published formulas, but they cannot know your full situation — for decisions with real stakes, talk to a qualified professional. Formulas and defaults last reviewed .