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💎 Net Worth Calculator
Net worth is the single best measure of financial progress. Add up everything you own (assets) and subtract everything you owe (liabilities). Track this number quarterly — it should grow over time even when income, market, or expenses fluctuate.
Examples
Cash $20k, 401k $80k, home $400k · Mortgage $300k, car loan $15k, CC $5kNet worth: $180,000Investments $1.2M, home $600k, cash $50k · Mortgage $0, no debtsNet worth: $1,850,000Frequently asked questions
What counts as an asset?
Cash, investments (401k, IRA, brokerage, crypto), real estate equity, vehicles, valuables. Use current market value, not original cost.
How often should I track it?
Quarterly is plenty. Monthly tracking causes anxiety from market swings. The trend over years is what matters.
Should I include my home?
Most include it but recognize it's illiquid. "Liquid net worth" excludes home equity — useful if you're thinking about FIRE.
Is a negative net worth bad?
Common for new graduates with student loans. Focus on the trend — going from -$50k to -$10k is great progress.
About this calculator
Net Worth Calculator runs entirely in your browser using standard formulas. No data is sent to any server. We don't share your inputs with lenders, brokers, or anyone else — there's no funnel and no follow-up email.
Related tools
- 🎯 Savings Goal Calculator — How long to reach a target? Or how much to save monthly?
- 🏖️ Retirement Calculator — 401k / IRA / general retirement projection with employer match.
- 📈 Compound Interest Calculator — Future value with compound interest. Configurable contribution & compounding frequency.
Why this calculator
vs typical free finance-calculator sites
| RichCalcs | Typical free site | |
|---|---|---|
| Price | Free | Free |
| Signup required | No | Often (for full results) |
| Ads inside the calculator | No | Yes (banner + sidebar) |
| Lead capture (email / phone) | No | Yes — sold to lenders |
| Data sent to server | No (browser-only) | Yes (analytics + tracking) |
| Amortization schedule | Full table | Often summary only |
| Bookmarkable URL per calc | Yes | Mixed |
| Loads in under 1s | Yes (static) | Often slow (ad tracking) |
| Open source | Yes | No |