Net Worth Calculator
Your net worth from assets and liabilities, liquid net worth, home equity, debt-to-asset ratio, asset mix, the age × income benchmark and months of runway — any currency.
Assets
Liabilities
| Total assets | — |
|---|---|
| Total liabilities | — |
| Liquid net worth (excl. home, vehicles, retirement) | — |
| Home equity | — |
| Debt-to-asset ratio | — |
| Asset mix | — |
| Benchmark (age × income ÷ 10) | — |
| Months of runway from liquid assets | — |
In short
Net worth = everything you own at realisable value (cash, investments, retirement accounts, home, vehicles) minus everything you owe (mortgage, cards, loans). Liquid net worth excludes the home, cars and locked retirement money. A common benchmark is age × gross income ÷ 10: a 35-year-old earning 80,000 would be 'on track' at 280,000.
Who this is for: Anyone tracking their financial position or comparing it with age-based benchmarks.
What counts, and the benchmarks
- Assets at realisable value: cash, investments, retirement accounts, home and property at market value, vehicles at resale value, business or gold at what they would fetch. Furniture and gadgets are usually left out.
- Liabilities at the payoff balance: mortgage, cards, car and student loans, BNPL, money owed to family.
- Liquid net worth strips out the house, cars and locked retirement money and nets off unsecured debt — the figure that matters for emergencies and opportunities.
- Benchmark: the "age × pre-tax income ÷ 10" rule from The Millionaire Next Door is a rough yardstick; twice it is a prodigious accumulator, half an under-accumulator. It penalises the young and high recent earners, so treat it as context.
- Debt-to-asset ratio above 60% means most of what you own is financed; below 30% is comfortable.
See also: FIRE Calculator — Financial Independence, Debt Payoff Calculator — Snowball vs Avalanche.
Assumptions
- Net worth = sum of asset fields − sum of liability fields; liquid = cash + investments − unsecured debt (cards, personal, other).
- Home equity = home value − mortgage; debt-to-asset = liabilities ÷ assets.
- Benchmark = age × gross income ÷ 10; runway = (cash + investments) ÷ (60% of gross monthly income).
Worked example
Assets 483,000 − liabilities 272,000 = net worth 211,000. Liquid net worth 52,000 (cash + investments − cards); home equity 90,000 (26%); debt-to-asset 56% — moderate, typical for a recent buyer. Benchmark 35 × 80,000 ÷ 10 = 280,000, so 75% of the rule — average accumulator. Liquid assets cover about 13.8 months of spending.
Frequently asked questions
What is a good net worth at 30 / 40 / 50?
Rules of thumb: about 1× annual income by 30, 3× by 40, 6× by 50 — but the home-equity share and local prices distort comparisons; your own trend over time is the better measure.
Does my house count in net worth?
Yes, at market value, with the mortgage as a liability; the liquid figure excludes it because you cannot spend the house.
Should I include my car?
At resale value, yes, with any loan against it — it is usually a small, shrinking line.
Is a pension counted?
Defined-contribution pots (401k, SIPP, provident fund) count; a defined-benefit promise is income, not an asset, unless you value it separately.
How often should I calculate net worth?
Quarterly is enough to see the trend without reacting to market noise.
Can net worth be negative?
Yes — common early in a career with student loans or soon after buying a home with a small deposit; the trend matters more than the sign.
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