Net Worth Calculator

Everything you own minus everything you owe, with the debt ratio and the position against your income.

A net worth is one subtraction, and almost nobody knows their own. The reason is that the numbers live in five places: bank accounts, investments, retirement accounts, the value of a property, and the balances of every loan.

Enter them once and this calculator adds the assets, adds the debts, and shows the difference along with the two ratios that make it readable: how much of your assets are borrowed, and how the total compares with your income.

At a glance

What you enter: Cash and savings, Investments, Retirement accounts, Property value, Other assets, Mortgage balance, Other loan balances, Credit card balances, Annual income, Your age
What you get: Net worth, Total assets, Total debts, Net worth in years of income, Debt as a share of assets, Net worth at the usual guide
Formula shown: Yes - every step, right below your results.
Cost and privacy: Free, no account needed, and nothing you type is stored.

See worked examples ↓ Read the FAQ ↓ Share this calculator ↓

Cash and savings

Current accounts, savings accounts, anything you can spend this month.

Investments

Brokerage accounts, funds, shares, crypto at what they are worth today.

Retirement accounts

Property value

What the home would sell for today, not what it cost.

Other assets

A car at resale value, business equity, anything else that could be sold.

Mortgage balance

Other loan balances

Car loans, student loans, personal loans.

Credit card balances

Annual income

Used to express the total as a multiple of income.

Your age years

Reset

Results are estimates for general information only - always verify with a professional or official source before acting on them.

How to use the Net Worth Calculator

1 Enter Cash and savings - Current accounts, savings accounts, anything you can spend this month.
2 Enter Investments - Brokerage accounts, funds, shares, crypto at what they are worth today.
3 Enter Retirement accounts
4 Enter Property value - What the home would sell for today, not what it cost.
5 Enter Other assets - A car at resale value, business equity, anything else that could be sold.
6 Enter Mortgage balance
7 Enter Other loan balances - Car loans, student loans, personal loans.
8 Enter Credit card balances
9 Enter Annual income - Used to express the total as a multiple of income.
10 Enter Your age (years)
11 Press Calculate. You get Net worth, Total assets, Total debts, Net worth in years of income, Debt as a share of assets, Net worth at the usual guide, and every intermediate step stays visible under “How is this calculated?”
12 Change one number at a time to see what moves the result - that is usually the most useful thing a calculator can tell you.

Worked examples

Real numbers run through this calculator. Open any example to load it into the form above and change it.

A 35 year old renter with student debt

No property, savings and investments, and two debts to subtract.

You enter

Cash and savings: $15,000.00
Investments: $30,000.00
Retirement accounts: $45,000.00
Property value: $0.00
Other assets: $0.00
Mortgage balance: $0.00
Other loan balances: $8,000.00
Credit card balances: $2,000.00
Annual income: $60,000.00
Your age: 35 years

You get

Net worth: $80,000.00
Total assets: $90,000.00
Total debts: $10,000.00
Net worth in years of income: 1.33 years of income
Debt as a share of assets: 11.1%
Net worth at the usual guide: $120,000.00

Assets of 90,000 against 10,000 of debt leave a net worth of 80,000, or 1.33 times income. Debt is 11.1 percent of assets and half of the assets are cash and investments, which is a liquid position. The age guide for 35 is 120,000, so the gap to it is 40,000.

Open this example in the calculator →

A 45 year old homeowner

A house with a mortgage, which turns a good net worth into a mostly illiquid one.

You enter

Cash and savings: $20,000.00
Investments: $40,000.00
Retirement accounts: $90,000.00
Property value: $400,000.00
Other assets: $15,000.00
Mortgage balance: $250,000.00
Other loan balances: $12,000.00
Credit card balances: $3,000.00
Annual income: $95,000.00
Your age: 45 years

You get

Net worth: $300,000.00
Total assets: $565,000.00
Total debts: $265,000.00
Net worth in years of income: 3.16 years of income
Debt as a share of assets: 46.9%
Net worth at the usual guide: $380,000.00

Assets of 565,000 and debts of 265,000 give a net worth of 300,000, or 3.16 times income. Debt is 46.9 percent of assets and 94.3 percent of it is the mortgage, which is the cheap kind. Only 10.6 percent of the assets are liquid, which is the figure to watch. The guide for 45 is 380,000.

Open this example in the calculator →

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Frequently asked questions

Should a pension be counted before I can access it?

Yes, at its current value, because it is an asset that exists and will be available. What it should not be counted as is money you can spend, which is why the liquid share is shown separately.

A net worth made mostly of retirement money and property is a real net worth and a fragile one at the same time: it handles a bad decade well and a bad month badly.

What value do I use for a house or a car?

What it would sell for now, not what it cost and not what an estate agent would list it at. For a car that is the resale value, not the price paid, because the depreciation has already happened whether or not the number is written down.

Using the purchase price quietly flatters the net worth by exactly the amount already lost, which is why the figure should be reviewed once a year rather than set once.

Is a negative net worth a problem?

Not by itself. A recent graduate with a student loan, or anyone in the first years of a mortgage in a market that has just fallen, will show a negative figure while their position is improving every month.

The number only means something as a series. A negative net worth that is less negative each year is a plan working; a positive one that is shrinking is a warning.

Where does the age benchmark come from?

It is a rule of thumb from personal finance writing rather than from research: about one year of income in net worth at 30, two by 35, three by 40, and so on, which is one year of income for every five years past 25. It is a straight line through a messy reality.

It assumes a career that started around 25 and continued without a break, in a country with a particular mix of wages, housing costs and pensions. Treat a gap to it as a question to investigate rather than as a failure.