Net Worth Calculator
List what you own and what you owe. See your net worth, how much of it you could reach quickly and where it could be in a few years.
Private: everything is worked out on this device. Nothing you type is sent anywhere, unless you press Share, which puts your numbers in the link.
Add each debt's yearly interest rate and monthly payment for the projection below.
Liquid net worth
Compare with an earlier date
Can be below zero, e.g. −5000.
Project your net worth
Business and other assets are kept at today's value. These rates are your own guesses, not forecasts.
How you compare: a rule of thumb
Year-by-year projection
| Year | You own | You owe | Net worth | In today's money |
|---|
How your net worth is worked out
Add up what you own, add up what you owe, then take one from the other.
- 1
Add what you own
Property $300,000+ the rest $103,000= $403,000 owned
- 2
Add what you owe
Mortgage $220,000+ the rest $15,000= $235,000 owed
- 3
Take one away
$403,000 owned− $235,000 owed= $168,000
- 4
Check the ratios
Debt ÷ assets= 58.3%Liquid: −$195,000
Read more: the formula, a worked example, the ratios and notes
Your net worth is a snapshot of where you stand today: everything you own, valued at what it would sell for now, minus everything you still owe. It can be below zero, for example early in a career with a student loan. It is not the same as income: a high earner who spends it all can have a low net worth.
The formula
net worth = total you own − total you owe
debt-to-asset ratio = total you owe ÷ total you own × 100
liquid net worth = cash and bank + investments (+ retirement, if you count it) − debts
property equity = property − mortgages; net worth without property = net worth − property equity
change = net worth now − net worth then; % change = change ÷ then × 100
yearly growth rate = (now ÷ then)^(12 ÷ months) − 1
rule of thumb: expected net worth = age × yearly income before tax ÷ 10
Worked example
You own: bank accounts $15,000 + shares and funds $25,000 + pension $40,000 + home $300,000 + car $18,000 + gold and jewellery $5,000 = $403,000.
You owe: home loan $220,000 + car loan $12,000 + credit card $3,000 = $235,000.
Net worth: $403,000 − $235,000 = $168,000. Debt-to-asset ratio: $235,000 ÷ $403,000 = 0.5831, or 58.3%.
Liquid net worth: cash and funds $15,000 + $25,000 = $40,000, minus all $235,000 of debts = −$195,000. Taking away only the unsecured credit card instead gives $40,000 − $3,000 = $37,000. Property equity is $300,000 − $220,000 = $80,000, so net worth without property is $168,000 − $80,000 = $88,000. Spending $3,000 a month, the $15,000 of cash would last 5 months, and all $40,000 of liquid money 13.3 months.
A year ago it was $150,000: the change is $168,000 − $150,000 = +$18,000, and $18,000 ÷ $150,000 = 12%.
Rule of thumb at age 40 on $80,000 a year: 40 × $80,000 ÷ 10 = $320,000. $168,000 ÷ $320,000 = 0.53, between half ($160,000) and double ($640,000), so about average.
Projection over 10 years, saving $500 a month, with investments and retirement growing 6% a year, cash 2%, property 3%, gold 2% and the car losing 15% a year: the credit card ($150 a month at 22%) is cleared in month 26 and the car loan ($350 a month at 7%) in month 39, and their payments are then invested too. The home loan ($1,300 a month at 5%) falls to about $160,475. Net worth reaches about $521,273, or about $387,876 in today's money with 3% inflation.
What counts
| Group | Examples | Liquid? |
|---|---|---|
| Cash & bank | Current and savings accounts, fixed deposits, cash | Yes |
| Investments | Shares, funds, bonds, crypto | Yes |
| Retirement accounts | Pensions, 401(k), IRA, EPF, NPS | Your choice |
| Property, vehicles, gold, business, other | Home, land, cars, jewellery, a share of a business | No |
| Debts | Mortgage, car loan, student loan, cards, personal loans, money owed to family | Taken away |
Tips
- Use today's selling price, not what you paid. For a car, check what similar cars sell for; for a home, recent sales nearby.
- Leave out everyday things that would sell for little, such as furniture and clothes, unless they are valuable.
- Count only your share of anything you own jointly, and the same share of joint debts.
- Pensions and retirement accounts may be taxed when you take money out, so their real value to you can be lower.
The projection assumes the growth rates, savings and debt payments stay the same every month, with growth compounded monthly and debt interest charged monthly (rate ÷ 12). It is a what-if, not a forecast: real returns go up and down. The age rule of thumb comes from Thomas J. Stanley and William D. Danko's book The Millionaire Next Door (1996); it is a rough guide, not an official standard. Checked on 11 October 2026.
Common questions
How do you calculate net worth?
Add up the value of everything you own, add up everything you owe, and take the second from the first. In the example, assets of $403,000 (bank, funds, pension, home, car and gold) minus debts of $235,000 (home loan, car loan and credit card) give a net worth of $168,000. Use what things would sell for today, not what you paid.
Should I include my home and my pension?
Yes. Both are things you own, so they count as assets, and the mortgage counts as a debt. Because a home is hard to turn into cash, the calculator also shows your net worth without property ($88,000 in the example) and your liquid net worth, which counts only cash and investments.
What is a good net worth for my age?
One well-known rule of thumb, from the book The Millionaire Next Door, is age × yearly pre-tax income ÷ 10. At 40 with an income of $80,000 that is $320,000. Twice that or more counts as a strong saver, half or less as behind. It is a rough guide, not an official standard, and it ignores where you live and how you earn.
What is liquid net worth?
It is the money you could reach quickly (cash and investments you can sell) minus what you owe. In the example, $40,000 of cash and funds minus $235,000 of debts gives minus $195,000. A negative figure is common for people with a mortgage, because the home that backs the loan is not counted as liquid.
What is the debt-to-asset ratio?
It is your total debts divided by your total assets. In the example, $235,000 ÷ $403,000 = 58.3%, so debts equal a little over half of what you own. Under 100% means you own more than you owe; the lower it is, the more room you have if prices fall or income stops.
How often should I work out my net worth?
Many people check every few months or once a year, on the same date each time. In Advanced, enter your earlier figure and how long ago it was to see the change: going from $150,000 to $168,000 in a year is a rise of $18,000, or 12%.
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