Net Worth Calculator
Build a complete picture of what you own and what you owe, and see how your investable assets split across taxable, tax-deferred, and tax-free treatment.
Assets
Liabilities
Results
Enter what you own and what you owe to see your net worth, your liquidity position, and how your investable assets are split by tax treatment.
Values are whatever you enter and are not verified. Property and business values are estimates until they are sold. Nothing is stored or transmitted; this runs entirely in your browser.
Why the tax treatment split matters more than the total
Most net worth calculators give you one number. That number is useful for tracking progress and close to useless for planning, because two people with identical net worth can face very different retirements depending on which accounts the money sits in.
A dollar in a Roth account is worth more than a dollar in a traditional 401(k), because the 401(k) dollar has a tax bill attached that has not been paid yet. A dollar of home equity is worth something different again, because you cannot spend it without borrowing against the house or selling it. This calculator separates those, because the split is the thing you can actually act on.
- Taxable covers cash and brokerage accounts. Gains are taxed at capital gains rates, there are no withdrawal restrictions, and heirs generally receive a step-up in basis.
- Tax-deferred covers traditional 401(k)s and IRAs. Every dollar withdrawn is ordinary income, and required minimum distributions begin at 73 whether you need the money or not.
- Tax-free covers Roth accounts and HSAs. Qualified withdrawals are untaxed, and Roth IRAs have no required distributions during the owner's lifetime.
The calculator flags it when more than 70% of your investable assets sit in the tax-deferred bucket, because that is the position that gives you the least control in retirement. Everything you withdraw is ordinary income, which drives the taxation of your Social Security, your Medicare premiums through IRMAA, and the rate on your capital gains. It is also exactly the situation Roth conversions exist to address, and the window to act is usually the years between retiring and turning 73.
What counts and what does not
Two judgment calls worth making consistently, because inconsistency is what makes year-over-year tracking meaningless.
Include your home, but read it separately. Home equity is real wealth and belongs on the balance sheet. It is also the least useful asset for funding retirement, because drawing on it means selling, downsizing, or borrowing. That is why the calculator reports investable assets as a separate figure.
Be conservative with anything illiquid. A private business interest is worth what a buyer pays, not what you hope. If a large share of your net worth sits in one company, the number on the screen carries more uncertainty than it appears to.
What to do with the result
Track it once or twice a year, on the same date, using the same assumptions. The trend matters far more than the level, and comparing your figure to national averages is mostly a distraction: the useful comparison is against your own number twelve months ago, and against what your own plan requires.
Net worth questions
How do you calculate net worth?
Add up everything you own, including cash, investments, retirement accounts, property, and business interests, then subtract everything you owe, including your mortgage, auto and student loans, credit cards, and any other debt. The result is your net worth. What the single figure hides is which accounts the assets sit in, which is why this calculator also splits your investable assets by tax treatment.
Should I include my house in my net worth?
Yes, but read it separately from the rest. Home equity is real wealth and belongs on the balance sheet. It is also the least useful asset for funding retirement, because reaching it means selling, downsizing, or borrowing against the property. That is why the calculator reports investable assets as a separate number alongside your total.
What is a good net worth?
Comparisons to national averages are mostly a distraction, because the right number depends entirely on your age, your income, your cost of living, and what your own plan requires. The two comparisons worth making are against your own figure twelve months ago, and against the amount your retirement plan actually needs you to have.
Why does the tax treatment of my assets matter?
Because two people with identical net worth can face very different retirements. A dollar in a Roth account is worth more than a dollar in a traditional 401(k), since the 401(k) dollar still has an income tax bill attached. If most of your investable assets are tax-deferred, every withdrawal in retirement is ordinary income, which drives the taxation of your Social Security, your Medicare premiums, and the rate on your capital gains.
How often should I update my net worth?
Once or twice a year, on the same date, using the same assumptions for anything you are estimating. Consistency matters more than frequency, because the value is in the trend rather than any single reading. Checking monthly mostly measures market noise.
Is anything I enter saved?
No. The calculator runs entirely in your browser. Nothing is submitted, stored, or transmitted anywhere, and refreshing the page clears everything.
Related tools and reading
The pieces that sit either side of this one.
Roth Conversion Calculator
If your pre-tax bucket dominates, this is the tool that models doing something about it.
Open the tool →Cash Flow Calculator
Net worth is the scoreboard. Cash flow is what actually moves it each month.
Open the tool →Retirement Planning Options
Where each account type fits, and the order you draw them down in.
Read the guide →