Tool · Calculator

The net worth calculator.

Add up your assets, subtract your liabilities, and see total net worth alongside your FIRE progress. All calculations run in your browser — nothing is saved or sent anywhere.

The report
Your net worth
$267,000
= $550,000 assets − $283,000 liabilities
Progress to FIRE11.1%
$167,000 investable$1,500,000
Total Assets
$550,000
Across 5 categories
Total Liabilities
$283,000
Across 4 categories
Investable Net Worth
$167,000
Excludes $100,000 home equity

Composition breakdown.

Fig. 01

Assets.

$550,000
  • Cash & HYSA
    $15,0003%
  • Taxable Investments
    $45,0008%
  • Retirement Accounts
    $120,00022%
  • Real Estate
    $350,00064%
  • Vehicles
    $20,0004%
  • Other Assets
    $00%

Liabilities.

$283,000
  • Mortgage
    $250,00088%
  • Student Loans
    $18,0006%
  • Credit Cards
    $3,0001%
  • Auto Loans
    $12,0004%
  • Other Debt
    $00%
The recommended stack

Tools to grow the number.

Affiliate

We may earn a commission if you open an account through these links, at no extra cost to you. We only recommend services we'd use ourselves.

  1. Brokerage

    Fidelity or Vanguard

    Once your assets are in view, put them to work in low-cost index funds with zero-commission trades.

    Why we recommend it: Low expense ratios compound directly into your investable net worth.

    Compare brokerages
  2. HYSA

    High-Yield Savings

    Keep your cash allocation earning 5%+ while you wait to deploy it into the market.

    Why we recommend it: Cash sitting at 0.01% is a silent drag on your net worth growth.

    Compare HYSAs
  3. Net Worth Tracker

    Personal Capital / Empower

    Auto-sync accounts and track net worth month over month without manual spreadsheet updates.

    Why we recommend it: Consistent monthly tracking is what turns net worth into a progress metric.

    Read the review

Frequently asked.

§ FAQ
01How do you calculate net worth?

Net worth = total assets minus total liabilities. Assets include cash, investments, retirement accounts, real estate equity, vehicles, and other valuable property. Liabilities include mortgages, credit card debt, student loans, auto loans, and any other money owed.

02What is a good net worth by age?

Standard benchmarks: age 30 → 1× annual income. Age 40 → 3× income. Age 50 → 6× income. Age 60 → 8-10× income. For FIRE, targets are higher: retiring at 50 typically requires 25-30× annual spending.

03Should I include my house in my net worth?

Yes, as equity (market value minus mortgage). For FIRE planning specifically, primary residence equity usually does NOT count toward your FIRE number because it doesn't produce income. Track investable net worth separately.

04How much net worth do I need for FIRE?

Investable net worth should be 25-33× your annual expenses. For $50,000/year spending: $1.25M-$1.65M investable. For $100,000/year: $2.5M-$3.3M. Primary residence equity excluded.

05How often should I calculate my net worth?

Monthly or quarterly is ideal for active FIRE tracking. Daily creates emotional reactions to market noise; annual is too infrequent. Many FIRE practitioners update on the 1st of each month using the same sources each time for consistency.

Methodology

How this calculator works.

Net Worth
Total assets minus total liabilities. The standard personal-finance scorecard — everything you own at market value, minus everything you owe.
Investable Net Worth
Net worth excluding primary-residence equity. The house you live in doesn't produce retirement income, so it shouldn't count toward your 25× FIRE number.
FIRE Number
25 × annual expenses, derived from the 4% safe withdrawal rate (Trinity Study). For 40+ year horizons, consider 28-33× instead.
Categorization
401(k) and IRA under Retirement Accounts. HSAs under Retirement (they function as one after 65). Primary residence and rentals under Real Estate. Taxable brokerage and crypto under Taxable Investments.
Financial disclaimer

This calculator is for educational and informational purposes only. Asset values are your best estimates; use current market estimates (Zillow, Kelley Blue Book) for home and vehicle values. It does not constitute financial, investment, tax, or legal advice. Read our full disclaimer.