Net Worth Calculator
Add up your assets and liabilities to calculate your net worth and see how it breaks down by category.
How this is calculated
Net worth is total assets minus total liabilities. Every figure you enter is summed into those two totals, the difference is your net worth, and the asset breakdown shows what share each holding contributes. The whole calculation runs in your browser — nothing is sent anywhere, and no reference data is involved.
Net worth is best understood as a lagging indicator — it reflects the cumulative result of years of saving, spending, and investing decisions, not a snapshot of current earning power. This is why income percentile and wealth percentile can diverge sharply for the same person: a high earner who spends heavily and saves little can have a modest net worth despite a high income, while a more modest earner with strong savings discipline over many years can accumulate a much higher net worth than their income alone would suggest. See the Income Percentile calculator for the equivalent comparison based on income.
Frequently asked questions
- What is net worth?
- Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It is the most complete single-number snapshot of your financial position.
- Should I include my home as an asset?
- Yes — include the current market value of your home as an asset, and your remaining mortgage balance as a liability. The difference is your home equity, which is often the largest component of net worth for homeowners.
- What currency should I use?
- Use a single currency consistently for every field. The calculation is a straight subtraction, so the result is expressed in whatever currency you enter.
- What counts as an asset in net worth?
- Anything of monetary value you own: property, investments (stocks, bonds, crypto), retirement accounts, cash and savings, vehicles, and other valuables like jewellery or business interests. Assets are valued at their current market value, not what you originally paid.
- What counts as a liability?
- Anything you owe: mortgage balances, vehicle loans, student loans, credit card balances, and any other outstanding debt. Net worth subtracts the full amount owed, not just overdue payments.
- What is a good net worth by age?
- There's no single universal benchmark, since it depends heavily on income, cost of living, and career stage — but commonly cited rules of thumb suggest aiming for roughly 1× your annual salary in net worth by 30, 3× by 40, and 6× by 50, as a rough trajectory rather than a strict target.
- What is liquid vs illiquid net worth?
- Liquid net worth counts only assets that can be quickly converted to cash without a significant loss in value — cash, savings, and most investments. Illiquid net worth includes assets like property, retirement accounts with withdrawal penalties, and business interests that take time or incur costs to convert to cash. Liquid net worth is often the more useful figure for assessing financial flexibility in an emergency.