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.
Composition breakdown.
Fig. 01Assets.
$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%
Tools to grow the number.
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- Compare brokeragesBrokerage
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 HYSAsHYSA
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.
- Read the reviewNet 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.
Where to go from here.
- FIRE Calculator — project when you'll reach 100% of your target.
- Compound Interest Calculator — see how your current net worth compounds forward.
- Best Brokerages for FIRE — where to invest once you've got the assets in view.
- Free FIRE Starter Pack — downloadable planning guide.
Frequently asked.
§ FAQ01How 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.
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.
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.