Net Worth Calculator
Add what you own and what you owe to see your net worth: total assets minus total liabilities. It also splits your assets into liquid (cash you could access within days) and illiquid (retirement accounts, your home, a vehicle) so you can see your liquid net worth alongside your overall one.
- Net Worth
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- Liquid Net Worth
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- Total Assets
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- Total Liabilities
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- Liquid Assets
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- Illiquid Assets
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Assumptions
- Net worth is a snapshot using the values you enter, not a professional appraisal. Home and vehicle values in particular change with market conditions, so update them periodically rather than treating a single estimate as fixed.
- Retirement accounts, your home, and your vehicle are treated as illiquid here, in line with how liquid net worth is commonly defined, since converting them to cash takes time and, for retirement accounts withdrawn before age 59 and a half, usually a tax penalty.
- Figures shown are before any taxes you would owe if you actually sold or withdrew from an asset, so the cash you would end up with after liquidating is typically lower than the values shown.
- This is a planning snapshot only, not financial advice.
Sources
- U.S. Securities and Exchange Commission, Investor.gov, "Figure Out Your Finances" (defines net worth as assets minus liabilities).
- NerdWallet, "Liquid Net Worth: What It Is, Why You Should Care," updated July 1, 2026 (defines liquid net worth and which asset types are typically treated as liquid versus illiquid).
How net worth is calculated
Net worth is simply everything you own added up, your assets, minus everything you owe, your liabilities. A positive number means your assets outweigh your debts; a negative number means the reverse, which is common early in a career or shortly after a large purchase like a home. Either way, it's one number that summarizes your overall financial position at a point in time, not a measure of income or day-to-day cash flow.
Why liquid net worth is a different, useful number
Total net worth treats a dollar of home equity the same as a dollar of cash in a savings account, but they behave very differently if you actually need money. Liquid net worth only counts assets you could realistically convert to cash within days, cash, checking, and savings, and subtracts your full liabilities from that smaller total. It's common, and not a problem by itself, for liquid net worth to be much lower than total net worth, or even negative, when most of a person's wealth is tied up in a home or retirement accounts.
Worked example
A household with $15,000 in cash and savings, $413,000 in other assets (retirement accounts, home value, and a vehicle), and $319,000 in liabilities (a mortgage, an auto loan, credit cards, and student loans).
Total assets add up to $428,000 ($15,000 in cash and savings plus $413,000 in retirement accounts, home value, and vehicle value). Total liabilities add up to $319,000. Net worth is $428,000 minus $319,000, or $109,000. Liquid net worth, cash and savings minus total liabilities, is $15,000 minus $319,000, or -$304,000: a reminder that a positive net worth can still mean very little is actually accessible as cash, since most of this household's wealth is tied up in home equity and retirement accounts.
Frequently asked questions
How do I calculate my net worth?
Add up everything you own, cash, accounts, retirement savings, your home, your vehicle, and any other assets, then add up everything you owe, your mortgage, loans, and credit card balances. Subtract the second total from the first. This calculator does that automatically once you list your own numbers above.
What counts as an asset or a liability in a personal net worth calculation?
Assets are anything of value you own, cash, bank and retirement accounts, real estate, and vehicles among them. Liabilities are anything you owe: mortgage and auto loan balances, credit card debt, and student loans are the most common. Enter each one as its own row above so the total on each side reflects your actual accounts rather than a rough estimate.
What is liquid net worth, and how is it different from regular net worth?
Liquid net worth only counts assets you could turn into spendable cash within a few days, mainly cash, checking, and savings, minus your full liabilities. Regular net worth also includes assets that take longer to access or come with a penalty for early access, like home equity or retirement accounts. Liquid net worth is usually lower than total net worth, and it can be negative even when total net worth is positive.
Is it safe to use an online net worth calculator?
This calculator runs entirely in your browser: nothing you type is saved, uploaded, or sent anywhere. You can close the tab and none of your account balances are stored. Treat the result as a private planning estimate rather than something to share, since it reflects real figures about your finances.
Does this calculator compare my net worth to others my age?
No, and deliberately so. It calculates your net worth from the numbers you enter, not against an age-based benchmark. Net worth varies enormously by career stage, location, health, and family circumstances, so a single age-based average can be more discouraging than useful. A more grounded comparison is usually your own net worth today versus six months or a year ago, which shows whether you're moving in the direction you want.
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