Net Worth Calculator
Calculate your total net worth by tracking all assets and liabilities. Monitor wealth growth and assess financial health.
Net Worth Calculator
Result
How it works
Formula Used
Net Worth = Total Assets - Total Liabilities Asset breakdown shows diversification and liquidity profile
Smart Tips
- Track quarterly for wealth monitoring
- Target 60-70% illiquid (real estate) long-term
- Keep 3-6 months expenses in liquid assets
Best Used For
Annual financial health check, wealth tracking
FAQs
Should I include my house in net worth calculation?
Yes, if you've paid part/full. House is illiquid asset. Include: property value - outstanding home loan = equity. This equity is part of net worth but not accessible without selling/taking loan.
What's a healthy asset breakdown—liquidity wise?
Emergency fund: 3-6 months expenses (liquid). Short-term goals (1-3 yrs): liquid assets. Medium-term (3-7 yrs): 50-70% liquid. Long-term: 20-30% liquid max (rest illiquid like real estate).
How often should I calculate net worth?
Monthly tracking for motivation. Quarterly detailed check. Annual comprehensive review. Daily checks are neurotic. Monthly simple (add investments, subtract spending). Annual detailed (revalue property, update liabilities).
What's a good net worth growth target?
Grow by 15-20% annually if young (<40). By 10-15% if mid-career. By 5-10% if nearing retirement. This assumes consistent savings + investments. Net worth = accumulation; focus on growth, not absolute number.
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