Net Worth Calculator

Free · no sign-up · reviewed September 2026

Net worth is the single number that sums up your whole financial life: everything you own minus everything you owe. This calculator adds it up for you and shows where your wealth actually sits.

Fill in what you have and what you owe. The ring shows the mix of your assets, and the number up top is what's left after debts. Track it once or twice a year and watch the trend, not the day-to-day.

Drag to adjust

Your numbers

Cash & savings

Investments (brokerage)

Retirement (401k / IRA)

Home value

Vehicles

Other assets

Business, collectibles, cash value of insurance, etc.

Mortgage balance

Auto loans

Student loans

Credit card debt

Other debts

Your net worth

$139,000

$415,000 in assets minus $276,000 in debts

💡 You're worth $139,000 after debts. Of that, $32,000 is liquid (cash and investments you could actually get to), while the rest is tied up in things like your home and car.

$415,000

Total assets

what you own

$276,000

Total debts

what you owe

$29,000

Liquid net worth

cash + investments, less short-term debt

Cash & savings$12,000
Investments$20,000
Retirement$45,000
Home$320,000
Vehicles$18,000

Total assets: $415,000
Total debts: $276,000
Net worth: $139,000

Net Worth Calculator · Far Better Off

https://farbetteroff.com/calculators/net-worth-calculator

Open that link to get this calculator back with these exact numbers. Estimates for education only — Far Better Off is not a lender or a financial advisor, and these results are not financial advice.

The 2-minute guide

The trend matters more than the number

A single net worth figure doesn't mean much on its own. What matters is the direction over time. Checking it every few months and seeing it grind upward is one of the most motivating habits in personal finance, even when each individual step feels small.

Liquid net worth is the honest version

Your home and car count as assets, but you can't spend them without selling them. Liquid net worth (cash plus investments, minus short-term debt) is a truer picture of the money you could actually reach in an emergency. If that number is thin, building it up usually beats paying extra on a low-rate mortgage.

Don't count your car as an investment

Vehicles are assets on paper, but they lose value every year. Include your car at its real resale value, not what you paid, and don't be surprised when it drags your net worth down over time. That's normal.

Frequently asked questions

How do I calculate my net worth?

Add up everything you own (cash, investments, retirement accounts, your home, cars and other valuables), then subtract everything you owe (mortgage, car loans, student loans, credit cards and other debts). The result is your net worth. This calculator does the math for you.

What is a good net worth for my age?

There's no single right answer, but one popular rule of thumb from 'The Millionaire Next Door' is: age times pretax income, divided by ten. So a 40-year-old earning $70,000 might target about $280,000. Treat it as a rough benchmark, not a verdict, since debt, location and life stage vary hugely.

Should I include my house in net worth?

Yes. Include your home at its current market value as an asset, and your remaining mortgage as a debt. The difference is your home equity, which counts toward net worth. Just remember it isn't liquid, so it doesn't help in a cash emergency.

Is it normal to have a negative net worth?

Very. New graduates with student loans and new homeowners with big mortgages often have a negative net worth for years. It's a starting point, not a failure. What counts is that the number moves in the right direction over time.

Related calculators

Compound Interest Calculator Emergency Fund Calculator Retirement Calculator

Related guides

How to start investing →

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