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.
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%
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.
More tools