Net Worth Calculator

What You Own (Assets)

Checking & Savings ($) Cash, money market, CDs

Brokerage & Investments ($) Taxable investment accounts

Retirement Accounts ($) 401(k), IRA, pension — all retirement balances combined

Home Value ($) Current estimated market value. Enter 0 if renting.

Other Real Estate ($) Investment properties, vacation homes

Vehicles ($) Current market value of all vehicles

Business Equity ($) Estimated value of any business you own

Other Assets ($) Jewelry, collectibles, other valuables

What You Owe (Liabilities)

Mortgage Balance ($) Remaining balance on primary home loan

Other Mortgage / HELOC ($) Investment property loans, home equity lines

Auto Loans ($) Total outstanding auto loan balances

Student Loans ($) Total outstanding student loan balance

Credit Card Debt ($) Total outstanding credit card balances

Other Debt ($) Personal loans, medical debt, other liabilities

About You

Used only to show how you compare to peers — never stored or transmitted.

Age

Annual Household Income ($) Pre-tax. Approximate is fine.

Annual Household Expenses ($) What you actually spend per year. Used for your FIRE number.

Total Net Worth

$0

Liquid Net Worth

$0

Excludes home equity & vehicles — your investable wealth

A negative net worth is common, especially early in life or after taking on student loans. What matters most is the direction — are you reducing debt and building assets over time?

Debt-to-Asset Ratio

—

What percentage of your assets are offset by debt

Asset Allocation

FIRE Gap

—

Enter your annual expenses above to see your FIRE number

For informational purposes only. Not financial advice. Net worth uses values you enter directly. FIRE gap based on 4% safe withdrawal rate (25× annual expenses). Peer comparisons use Federal Reserve SCF 2022 data and UBS Global Wealth Report 2025. All calculations run locally in your browser — no data is collected, stored, or transmitted. Consult a qualified financial advisor before making major financial decisions.

Why It Matters

Understanding your net worth

$192,084

U.S. Median Net Worth

Half of U.S. households are above this, half below. The mean is over $1M due to extreme wealth concentration at the top. (Fed SCF 2022)

~60%

Home Equity Share

For the typical American aged 45–54, roughly 60% of net worth is tied up in home equity — liquid investable wealth is significantly lower than total net worth

25×

The FIRE Number

Financial independence requires approximately 25× your annual expenses in investable assets — the foundation of the 4% rule

Net worth is the scoreboard. Liquid net worth is the game.

Your total net worth includes your home — but your house doesn't fund your retirement unless you sell it. For FIRE planning, liquid net worth (investments + cash + retirement accounts) is the number that matters. A $600,000 net worth with $500,000 in home equity and $100,000 in investments looks very different on a FIRE timeline than $600,000 in index funds. Once you know both numbers, model how they translate to a retirement date in RetireSmart.

→ Model your retirement timeline in RetireSmart

How we calculate and compare your net worth ▼

Total net worth: sum of all assets minus sum of all liabilities
Liquid net worth: total net worth minus home equity (home value − mortgage balance, floor 0) minus other real estate minus vehicle value
Debt-to-asset ratio: total liabilities ÷ total assets × 100. Not displayed if total assets = 0.
FIRE gap: (annual expenses × 25) minus liquid net worth. Based on the 4% safe withdrawal rate rule. Simplified estimate only.
U.S. peer percentile: Federal Reserve Survey of Consumer Finances 2022, released October 2023. Figures in 2022 dollars, not inflation-adjusted. Percentile estimated using piecewise linear interpolation.
International comparison: UBS Global Wealth Report 2025 median wealth per adult × 1.9 (U.S. average adults per household). Household sizes vary by country — illustrative estimates only.
No data is collected, stored, or transmitted. All calculations run locally in your browser.

This calculator is for educational purposes only and does not constitute financial advice. Individual circumstances vary.

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