See where you stand today and where you're headed — your complete financial picture in one page.
This calculator uses simplified growth assumptions and is for educational purposes only. Actual investment returns vary and are not guaranteed. Past performance does not predict future results. This is not financial advice — consult a qualified financial advisor for decisions about your specific situation.
Your net worth is the single most important number in personal finance. It's simple: everything you own minus everything you owe. Assets (savings, investments, property, retirement accounts) minus liabilities (credit card debt, student loans, mortgage, car loan) equals your net worth. Tracking this number over time gives you a clear, honest picture of your financial progress that no single account balance can provide.
Many people focus on income, but income is just one piece of the puzzle. Someone earning $150,000 a year with $200,000 in debt and no savings has a negative net worth. Someone earning $60,000 with $100,000 in investments and no debt is in a far stronger position. Net worth tells you the truth — and tracking it regularly motivates you to keep building.
Enter your assets (cash, investments, property, retirement accounts) and liabilities (debts, loans, mortgages) into the calculator above. You'll instantly see your current net worth, an asset allocation breakdown showing where your wealth is concentrated, and a 30-year projection showing where you're headed based on your current savings rate and expected returns. The tool also highlights which assets are doing the heavy lifting and which debts are costing you the most.
Alex is 30 years old with $8,000 in savings, $22,000 in a 401(k), and a car worth $15,000. On the debt side, he has $18,000 in student loans and $4,000 on credit cards. His net worth: $23,000 ($45,000 in assets minus $22,000 in debt). That might not sound like much, but he's contributing $600/month to investments. Running the 30-year projection at a 9% return, his portfolio alone could grow to over $1.1 million — and that's before any salary increases or extra contributions. Seeing that number is what keeps people motivated.
Monthly or quarterly is the sweet spot. Checking too often (daily or weekly) leads to anxiety over normal market fluctuations. Checking too rarely (once a year) means you might miss problems like growing debt or underperforming investments. Set a recurring reminder to update your numbers on the first of each month or quarter. The trend over 6–12 months matters far more than any single snapshot.
Yes, but with a caveat. Your home is an asset, but it's illiquid — you can't easily spend it. Many financial planners calculate two net worth figures: total net worth (including home equity) and investable net worth (excluding your primary residence). Both are useful. Total net worth shows your complete picture, while investable net worth tells you how much wealth you can actually deploy for income, growth, or emergencies.
A widely-used benchmark from the book The Millionaire Next Door is: your age multiplied by your pre-tax annual income, divided by 10. So a 35-year-old earning $70,000 should aim for a net worth of at least $245,000. But don't stress if you're behind — most people build the majority of their wealth between ages 35 and 55 as compound growth kicks in. What matters most is the direction: is your net worth increasing each year?
There are only three levers: earn more, spend less, or invest the difference more efficiently. The highest-impact move for most people is increasing their savings rate — the percentage of income that goes to savings and investments. Going from a 10% to a 20% savings rate effectively doubles the speed at which you build wealth. Beyond that, make sure your investments are working hard: low-cost index funds, tax-advantaged accounts (Roth IRA, 401(k)), and consistent contributions via dollar cost averaging.
It depends on the interest rate. High-interest debt (credit cards at 15–25%) should be paid off first — no investment reliably returns more than that. Low-interest debt (mortgages at 3–5%, federal student loans) can be carried while you invest, since the stock market's long-term average return of ~10% exceeds the interest cost. A balanced approach works too: make minimum payments on low-rate debt while maxing out employer 401(k) matches (that's free money), then throw extra cash at the highest-rate debt first.
Now that you know your net worth, use the retirement calculator to find out when you can stop working, or check the dividend tracker to see how much passive income your investments are generating.