📊 Financial Snapshot
Net Worth Calculator
Assets minus liabilities. Your financial snapshot in 2 minutes.
💰 Assets (what you OWN)
💳 Liabilities (what you OWE)
💎 Your Net Worth
Total Assets
Total Liabilities
📋 Asset Breakdown
📋 Liability Breakdown
💡 How You Compare
📈 Track It Monthly
Net worth is most powerful as a trend, not a number. Track monthly in a spreadsheet. Over 12-24 months you'll see the trajectory. Aim to grow net worth by 5-10% annually.
📌 5 Net Worth Tips
- ✓ Track monthly, not daily — markets fluctuate. A monthly snapshot smooths the noise and shows real progress.
- ✓ Don't include cars — your car's value drops 50% in 5 years. Many experts exclude depreciating assets to avoid overstating net worth.
- ✓ Don't compare to others — your friend with $2M might have $1.5M in mortgage debt. Focus on YOUR trajectory, not their snapshot.
- ✓ Include pension/401(k) — these are assets, even if you can't touch them yet. They count.
- ✓ Negative net worth isn't failure — most 20-somethings have negative net worth (student loans > savings). What matters is the direction it's moving.
Disclaimer: This calculator is for educational and informational purposes only. It is not financial, investment, or tax advice. Net worth is one measure of financial health — many important factors (income, lifestyle, health insurance, family support) are not captured here.