The one number that sums up your finances: everything you own minus everything you owe. Track it over time — the trend matters more than the total.
This net worth calculator totals your assets — cash, investments, retirement accounts, home, and possessions — and subtracts your debts to give the single number that best summarizes your financial position. It also breaks out your liquid net worth and how much of your assets you truly own versus owe.
The calculator totals your assets at current market value — cash, investments, retirement accounts, home, and possessions — and subtracts your liabilities — mortgage, student loans, credit cards, and other debt. The difference is your net worth. It also isolates liquid net worth (cash and investments only) and your debt-to-asset ratio.
Add up everything you own at current market value (cash, investments, retirement accounts, home, vehicles) and subtract everything you owe (mortgage, student loans, credit cards, car loans). The difference is your net worth.
There's no single answer — it depends on age, income, and goals. What matters most is the trend: a net worth that grows year over year as you save, invest, and pay down debt is the sign of progress, regardless of the starting point.
Liquid net worth counts only assets you could quickly convert to cash — savings and brokerage investments — and leaves out your home and retirement accounts. It reflects the money you could actually reach in an emergency.
Everything you own at current value and everything you owe. Use a realistic market value for your home and car, and the current payoff balance for each debt — not the original amount.
Every few months is plenty. The single number matters less than the trend: a net worth climbing year over year is the clearest sign your finances are moving in the right direction.
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