Liquid net worth counts cash and investments minus non-mortgage debts. Use today’s realistic values, such as what your home and car would sell for. For education only, not financial advice.
What this net worth calculator does
Your net worth is a snapshot of your whole financial picture: everything you own minus everything you owe. This net worth calculator adds it up for you and shows:
- your net worth
- your total assets and total debts
- your debt-to-asset ratio
- your liquid net worth: cash and investments minus non-mortgage debts
- your net worth excluding your home
- which debt is usually the most expensive to tackle first
How to use it
What you own
- Cash and savings: current, savings and deposit accounts.
- Investments: shares, funds and other investments outside retirement accounts.
- Retirement accounts: workplace and personal retirement savings.
- Home value: what your home would realistically sell for today.
- Vehicles: what your car would sell for, not what you paid.
- Other assets: anything else of real resale value.
What you owe
Enter the current balance of your mortgage, car loans, credit cards, student loans, personal loans and any other debts.
How to calculate net worth
Net worth = total assets − total debts
Example: $395,000 of assets (including a $300,000 home) and $234,000 of debts (including a $220,000 mortgage) gives a net worth of $161,000.
Why net worth matters
- It shows real progress. Paying down debt and saving both raise your net worth, even when your income stays the same.
- It reveals hidden risks. A high net worth that's almost all in your home can still leave you short of cash in an emergency. That's why the calculator shows liquid net worth too.
- It helps you prioritise. High-interest debt, like credit cards, drags your net worth down fastest.
How to grow your net worth
- Pay off high-interest debt first. See how long it takes to pay off $10,000 in credit card debt, or use our debt payoff calculator.
- Build an emergency fund, so surprises don't add new debt. Try our emergency fund calculator.
- Save and invest regularly. See how much $500 a month can grow.
- Track it once or twice a year, using realistic values each time.
Frequently asked questions
Is a negative net worth bad?
It's common early in life, especially with student loans or a new car loan. What matters most is that it's moving in the right direction over time.
Should I include my home in my net worth?
Yes, at a realistic sale value, along with your mortgage balance. But also look at your net worth excluding your home, because you can't easily spend home equity.
Should I include my car?
Yes, at what it would sell for today. Cars lose value over time, so update this each time you check.
Is my data saved?
No. The calculator runs in your browser, and nothing you enter is stored.
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This calculator is for education only and is not financial advice. Results depend on the values you enter.