What's Your Net Worth?
Total assets minus total liabilities. Single number, single moment. Track quarterly to see whether your financial trajectory is climbing, flat, or backsliding — the only metric that captures everything in one number.
How the math works
net worth = total assets − total liabilities
Assets: cash + checking + savings + brokerage + retirement + home value (current market) + vehicles (current resale) + valuables.
Liabilities: mortgage balance + auto loans + student loans + credit card balances + personal loans + other debts.
The trick most people miss: use current market values for assets, not what you paid. A $35K car bought 3 years ago is worth $20K today; the difference is gone (depreciation). A house bought for $300K worth $400K today goes in at $400K. Net worth is a snapshot of what you could realize, not what you spent.
Quarterly tracking is the actual point of computing this. A single number doesn't tell you much; the trajectory across 4-8 quarters tells you whether your finances are climbing, flat, or sliding.
Math runs locally. Inputs never leave your browser.
Real-world scenarios
- Net worth milestones by age: $50K at 30, $250K at 40, $1M at 60 — how to read your number against age-band benchmarks (Federal Reserve Survey data).