Skip to content

Calculator

Net Worth Calculator

List what you own and what you owe to see your net worth, how it splits between liquid and illiquid assets, and which balances are the largest.

What you own

$
$
$
$
$
$

What you owe

$
$
$
$
$

Net worth

$209,500

everything you own minus everything you owe

Liquid net worth

$18,500

cash and investments minus non-mortgage debt

Debt to assets

59%

$298,500 owed against $508,000 owned

Assets against debts

  • Assets$508,000 · 63%
  • Debts$298,500 · 37%
Value assets at what you could realistically sell them for today, not at what you paid.

Why this number is worth tracking

Income measures what arrives; net worth measures what stays. Because it subtracts what you owe, it captures progress that a salary figure hides — paying down a loan raises it just as saving does. Most people track it once a quarter; the direction over years matters far more than any single reading.

FAQ

Questions about this calculator

More on this in the financial independence guides.

Financial Independence guides