Net Worth Calculator 2026
Calculate your net worth: total assets minus total liabilities. A key measure of financial health.
What Is Net Worth?
Net worth is the value of everything you own (assets) minus everything you owe (liabilities). It is a single number that summarizes your financial position at a point in time. Assets include cash, checking and savings, investments (brokerage, IRAs, 401(k)s), the market value of your home and other real estate, vehicles, and valuable personal property. Liabilities include mortgages, car loans, student loans, credit card debt, and any other debts. Tracking net worth over time shows whether you are building wealth or treading water.
Why net worth matters
Income alone does not tell the full story—you can earn a lot and still have a low or negative net worth if you carry heavy debt or spend everything. Net worth reflects accumulated savings, investment growth, and debt payoff. It is the pool from which you will draw in retirement, so growing net worth is central to financial security. Use this calculator to get a quick snapshot; then dig deeper with our retirement savings goal to see how much you need to save, and our debt payoff calculator if you want to reduce liabilities faster.
Net worth and retirement
In retirement, your net worth (especially investable assets) determines how much you can sustainably spend. Rules of thumb like the 4% rule are applied to your portfolio, not your salary. Use our retirement income calculator to see sustainable withdrawal amounts and our retirement calculator for a full projection with Social Security and Monte Carlo simulations.
Net Worth Calculator FAQ
Add up the current value of all assets (bank accounts, investments, real estate, vehicles, etc.) and subtract all liabilities (mortgages, loans, credit cards). The result is your net worth. Use realistic market values—e.g., what your home would sell for, not what you paid.
Common benchmarks: 1x salary by 30, 3x by 40, 6x by 50, and 10x by retirement. These are rough guides; your target depends on lifestyle and retirement goals. Use our retirement calculator to see how your current net worth and savings rate support your desired retirement age and income.
Yes, for a full picture. Your home is an asset and your mortgage is a liability; net worth includes both. For “liquid” or “investable” net worth, some people exclude home equity since it is not as easily spent. Either way, be consistent when tracking over time.
Plan Your Full Retirement
Use our retirement calculator for Monte Carlo simulations, Social Security, and country-specific planning.
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