What do you own after subtracting what you owe?
Net worth
$78,000
Tip. Use conservative property values. Appraisal fantasies inflate the number.
Explore the numbers
Start with a scenario, then read the response curve to see which input actually moves the answer.
Example 1
No property, a small portfolio, and student loans still outstanding.
Net worth
$1,000
Example 2
A mortgaged home alongside a growing retirement balance.
Net worth
$78,000
Example 3
Most of the mortgage paid down and investments carrying the balance sheet.
Net worth
$937,000
Sweeps investments from half to one and a half times your value, holding everything else fixed.
Response curve
Net worth
$78,000
A snapshot of assets minus liabilities. The number matters less than the direction, so update it quarterly and watch the trend rather than the daily noise.
Net worth = (cash + investments + property + other assets) − (mortgage + other debts)
Enter the full home value as the asset, then put the mortgage under liabilities. Equity is what remains, so do not enter it twice.
Yes, at current balances. Remember that withdrawals from pre-tax accounts are taxed later, so the spendable figure is lower than the balance.
Only at a realistic resale value, and only if the loan is in liabilities. Many people count the car at purchase price and forget the loan, which flatters the number twice.
There is no universal figure. The useful comparison is against your own number a year ago, and against what your goals need rather than against anyone else.
No. They are educational estimates based on the inputs and assumptions on this page. Confirm important decisions with a qualified professional and your own documents.
The questions people usually ask next.