■ Wealth
Net Worth Calculator.
Compare all your assets against liabilities to get a complete financial picture.
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What the Net Worth Calculator actually does.
Our free Net Worth Calculator is the 30-second version of a personal balance sheet. Enter what you own (home, investments, retirement accounts, cash) and what you owe (mortgage, auto loans, credit cards, student loans) — the tool nets them out and shows you where you actually stand.
It's the first calculation we run with every new wealth-planning client. Income tells you what you earn; net worth tells you what you've actually kept. Tracking it yearly is the single best habit for long-term financial progress.
Assets
Liabilities
Net Worth
$0
Positive net worth
Total Assets
$0
Total Liabilities
$0
Updates live as you enter values
For informational purposes only. Results are estimates and do not constitute financial advice. Consult a qualified professional before making financial decisions.
■ How to use it
- 01
Enter each asset category (home, investments, retirement, cash).
- 02
Enter each liability (mortgage, loans, credit cards).
- 03
The tool totals both sides and calculates your net worth.
- 04
Save the number — check again next year to see progress.
■ What you'll get out of it
- One honest number that summarizes your finances.
- Spot concentration risk (too much in one asset class).
- Track progress year-over-year.
- Know your starting point before any planning conversation.
Anyone starting a financial plan and needing a baseline.
Couples doing their annual money check-in.
Business owners separating personal net worth from company equity.
Common questions about this tool.
Do I include my business in net worth?
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Yes — business equity is an asset, typically valued at a reasonable offer price or multiple of earnings. If it's highly illiquid, note that separately so you're not overstating your financial flexibility.
What counts as an asset?
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Anything that has resale value: cash, investments, retirement accounts, real estate, vehicles, business ownership, collectibles. Items like furniture and clothes are usually excluded because they're hard to liquidate.
Is my home's value an asset or a liability?
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Both — the market value of the home goes in assets, the remaining mortgage balance goes in liabilities. The difference (your equity) is what actually contributes to net worth.
What's a 'good' net worth for my age?
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There's no single number, but a common benchmark is: target a net worth equal to your annual income by age 30, 3× by 40, 6× by 50, 10× by 60. It's a rule of thumb, not a law.
Retirement
Retirement Calculator
Determine how much to save each month to reach your retirement goal comfortably.
Budgeting
Budget Calculator
Analyze income and expenses to keep your monthly spending on track.
Savings
Emergency Fund Calculator
Find out how much you need saved to cover life's unexpected expenses.
Need
More?
Our CPAs, Enrolled Agents, and Financial Planners can build a personalized strategy for your business — not just an estimate. Start planning the SMAART way.
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