Net Worth Calculator
With cash and savings 15000 USD, taxable investments 40000 USD, retirement accounts 85000 USD, property, at market value 380000 USD and 6 more fields, net worth comes to $255,000 — net worth. It is reached in 8 steps, the last of which is 538000 - 283000, and each one is printed on the page with its numbers filled in. The formula is the one published by Federal Reserve Survey of Consumer Finances, not an approximation fitted to it.
Net worth from what you own and what you owe, split into liquid and illiquid — with the months of expenses the liquid half would actually cover.
Formula and sources checked · How we check
Cash and savings 15000, Taxable investments 40000, Retirement accounts 85000, Property, at market value 380000
$255,000
Net worth for the example below. Editing a field recomputes the calculator below; this figure holds the answer the page was loaded with.
It is written into the HTML rather than drawn by a script, so a search engine reading this page without running JavaScript still finds an answer.
- Liquid assets
15000 + 4000055,000 USD- Total assets
15000 + 40000 + 85000 + 380000 + 18000538,000 USD- Total liabilities
245000 + 22000 + 12000 + 4000283,000 USD- Net worth
538000 - 283000255,000 USD- Liquid net worth, excluding property and retirement
55000 - 22000 - 12000 - 400017,000 USD- Equity in the property
380000 - 245000135,000 USD- Debts as a share of assets
283000 / 538000 * 10052.602 %- Months of expenses the cash and investments cover
55000 / 420013.095 mo
Worked example
Assets of $538,000 against debts of $283,000 gives a net worth of $255,000 — but $135,000 of that is home equity and $85,000 is locked in retirement accounts. The liquid net worth is $17,000, which is what is actually available, and it covers 13.1 months of expenses.
How to work it out yourself
- 1.Value property at what it would sell for now, minus the cost of selling, not at what you paid. An estimate from a listing site is close enough; the purchase price is not.
- 2.Include retirement accounts at their balance. They are yours, even though withdrawing before 59½ costs a 10% penalty on top of income tax — which is why the liquid line excludes them.
- 3.Leave out future income and future obligations. Net worth is a photograph of what exists today; a salary is not an asset and next year's rent is not a liability.
- 4.Watch the liquid line rather than the headline. A large net worth held entirely in a house and a 401(k) does not pay for a broken boiler.
- 5.Track it quarterly, not weekly. The number moves with markets, and reacting to a market is not the same as making progress.
Net worth as the mortgage balance falls
| Mortgage balance (USD) | Net worth | Equity in the property | Debts as a share of assets |
|---|---|---|---|
| 380000 | $120,000 | 0 USD | 77.7 % |
| 340000 | $160,000 | 40,000 USD | 70.26 % |
| 300000 | $200,000 | 80,000 USD | 62.83 % |
| 260000 | $240,000 | 120,000 USD | 55.39 % |
| 220000 | $280,000 | 160,000 USD | 47.96 % |
| 180000 | $320,000 | 200,000 USD | 40.52 % |
| 140000 | $360,000 | 240,000 USD | 33.09 % |
| 100000 | $400,000 | 280,000 USD | 25.65 % |
| 60000 | $440,000 | 320,000 USD | 18.22 % |
| 20000 | $480,000 | 360,000 USD | 10.78 % |
| 0 | $500,000 | 380,000 USD | 7.06 % |
Every dollar of principal repaid is a dollar of net worth, which is why an amortisation schedule and a net worth statement are the same document read from different ends. The interest portion of a payment is not.
The formula
- Liquid assets
15000 + 40000 - Total assets
15000 + 40000 + 85000 + 380000 + 18000 - Total liabilities
245000 + 22000 + 12000 + 4000 - Net worth
538000 - 283000 - Liquid net worth, excluding property and retirement
55000 - 22000 - 12000 - 4000 - Equity in the property
380000 - 245000 - Debts as a share of assets
283000 / 538000 * 100 - Months of expenses the cash and investments cover
55000 / 4200
Source: Federal Reserve Survey of Consumer Finances — distribution of US family net worth, Federal Reserve Board — Distributional Financial Accounts, Federal Reserve — Economic Well-Being of U.S. Households, on unexpected-expense capacity
Questions people actually ask
- How do you calculate net worth?
- Add everything you own at current market value, subtract everything you owe, and the difference is net worth. It can be negative — a new graduate with student loans and no assets usually starts there, and that is normal rather than alarming.
- Should I include my house?
- In net worth, yes, at market value with the mortgage subtracted. In any decision about spending, no: home equity cannot be drawn on without selling or borrowing, and a large equity figure disguises a small bank balance. That is what the liquid line separates out.
- What is a good net worth for my age?
- The Federal Reserve's Survey of Consumer Finances is the source for real distributions, and the medians are far below the averages because a small number of very large fortunes drag the mean up. Compare against the median for your age band, not the average, and treat both as context rather than a target.
- What is liquid net worth?
- What you could reach within days without penalty: cash and taxable investments, less short-term debts. It excludes property, retirement accounts and possessions. It is the figure that decides whether a surprise bill is an inconvenience or a crisis.
- Does my car count?
- At what you could sell it for today, which is well below what you paid. A car is a depreciating asset and its loan usually falls more slowly than its value, which is how people end up owing more than the car is worth.
- Why is my net worth negative?
- Usually student loans, or a mortgage on a property worth less than the balance. It is a starting position rather than a verdict — the number that matters is which direction it moves each quarter.
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