Net Worth Calculator
Calculate net worth — total assets minus total liabilities. The single best snapshot of financial health and a useful figure to track yearly.
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About Net Worth Calculator
Liquid vs total net worth
Liquid = assets you can access quickly (cash + investments). Home equity is real but not liquid — you can’t spend it without selling or borrowing. Track both separately; liquid net worth matters more for emergencies and flexibility.
Track yearly
Net worth in any single moment is noisy (market swings, big purchases). Year-over-year change is the meaningful number. Aim for steady annual growth — a downtrend lasting multiple years signals something to address.
Net worth milestones
Rough US benchmarks: positive net worth by 30, 1× annual salary by 35, 3× by 45, 6× by 55, 8-10× by retirement. These are guidelines; individual paths vary widely based on income, region, and life choices.