Net Worth Calculator (assets minus liabilities)
Enter values in each category. The calculator sums assets and liabilities separately and shows the resulting net worth. All categories optional โ leave blank for zero.
Assets
Liabilities
How it works
What net worth measures
Net worth = assets โ liabilities. It's the most direct measure of your financial position at a moment in time. Income tells you about cash flow; net worth tells you about cumulative position.
Tracking net worth quarterly or annually is one of the highest-leverage financial habits. Patterns become visible only over years: are assets growing faster than liabilities? Is debt being paid down? Is investment growth happening?
What to include in assets
Cash equivalents: checking, savings, money market, CDs that haven't matured. Use current balances, not future values.
Investments: market value at the moment of calculation. For volatile holdings (crypto, individual stocks), use a recent average rather than today's spot price for less noise.
Retirement accounts: pre-tax (401k, IRA, iDeCo) at current balance. Some calculators discount these by expected tax (e.g., 25% off for federal) to show 'after-tax net worth' โ we don't, but you can mentally adjust.
Real estate: estimated market value, not purchase price. Online tools (Zillow, Redfin in US; LIFULL HOME'S in Japan) give starting estimates. Subtract selling costs (~6-10%) for conservatism.
Vehicles: current trade-in or private-sale value, not purchase price. Cars typically depreciate 50% over 5 years; reflect that.
What to include in liabilities
Mortgage: current principal balance, not the original loan amount. Pull the latest statement.
Student loans: current balance across all loans. Federal and private separately if needed for tracking.
Credit cards: current outstanding balance, even if you'll pay it off this month. Net worth is a snapshot.
Auto loans: principal remaining. Compare against the asset-side vehicle value โ being 'underwater' (more debt than asset) is common in years 1-3 of a new car.
Other debt: medical bills, family loans, personal loans, business loans you've personally guaranteed.
Frequently asked questions
โบWhat if my net worth is negative?
Common in early career, especially with student loans or recent home purchase. Goal: assets growing faster than liabilities are paid down. Track quarterly; positive trajectory matters more than absolute value.
โบShould I include the value of stuff I own (clothes, electronics)?
Generally no. 'Net worth' typically means easily-liquidatable assets: cash, investments, real estate, vehicles. Personal property loses value fast and isn't easily sold for its purchase price.
โบHow often should I calculate?
Quarterly is the sweet spot. Monthly is too noisy (stock market fluctuations dominate); annually misses meaningful trends. Set a calendar reminder for the same date each quarter.
โบShould I count my pension?
If it's a defined-contribution plan with a current balance (401k, iDeCo), yes. If defined-benefit with a future income stream, treat it like an income source, not a current asset (or use NPV calculation if you really want to).
โบWhat's a good net worth for my age?
Rough US guideline: net worth = age ร annual income / 10. So at 35 making $80k, target is $280k. Doesn't apply universally โ locale and life stage matter more than chasing a number.
โบShould I subtract taxes on retirement accounts?
If you want 'after-tax' net worth, yes. Pre-tax 401k at $100k is really $75-80k after federal tax in retirement. We don't auto-adjust; many people prefer the gross number for tracking.
โบWhat about expected inheritance?
Not part of net worth. Expected future inflows (inheritance, lottery wins, predicted bonuses) aren't current assets. Only count what's already yours.
โบDoes the data leave my browser?
No. All values stay in your browser. Privacy-sensitive financial data isn't transmitted anywhere.
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