Net Worth Calculator
Add up everything you own and owe. See your real financial picture — including milestone status, debt ratio, and projected trajectory.
Net worth is not how much you earn — it's how much you keep and grow. Income is a tool. Net worth is the score.
$192k
Median US net worth (2023) — skewed heavily by the top 10%
$1M
The millionaire threshold — reachable for most with consistent investing over 20–30 years
Age 35
When compounding begins to work meaningfully — the later you start, the more it costs
Why tracking net worth changes everything
The number that actually measures financial progress.
Net worth is the only financial score that matters
Income is not wealth. Someone earning $300k with $400k in debt and no investments is in a worse position than someone earning $60k with $200k invested and zero debt. Net worth is the ultimate measure of financial progress.
The home equity misconception
Many Americans have most of their net worth tied up in their home — illiquid and highly leveraged. Investable net worth (excluding primary residence) is often the more useful figure for retirement planning. Track both.
The first $100k is the hardest
Charlie Munger said it best: 'The first $100,000 is a bitch.' After that, compound growth starts doing meaningful heavy lifting. At 7% annual growth, $100k becomes $200k in 10 years without adding a cent. Reaching $100k is your most important financial milestone.
How the Net Worth Calculator Works
Formula
Net Worth = Total Assets − Total Liabilities
Total Assets = Cash + Investments + Real Estate + Vehicles + Other
Total Liabilities = Mortgage + Car Loans + Student Loans + Credit Cards + Other Debt
Debt-to-Asset Ratio = (Total Liabilities / Total Assets) × 100
Projected Net Worth (Year N) = Assets × (1 + growth%)^N − Liabilities × (0.95)^NEnter all your assets
Cash, investments, retirement accounts, property, vehicles.
Enter all your liabilities
Mortgage, car loans, student loans, credit cards, other debt.
Set your age and growth rate
Used to project your net worth trajectory over time.
Hit Calculate
See your net worth, milestone label, debt ratio, and projection chart.
This calculator gives you a complete snapshot across all categories of assets and liabilities — not just a single number. The milestone labels put your net worth in context, and the projection chart shows where you're heading if you keep your current trajectory.
The 'years to $1 million' figure is calculated by projecting asset growth at your chosen rate and debt amortisation at ~5% per year. It's a motivational target, not a guarantee — but it makes the abstract feel concrete.
Frequently Asked Questions
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