Net Worth Calculator

Why net worth beats income as a scoreboard

Income measures cash flow; net worth measures what you've actually built with it. Two people earning the same salary can have wildly different net worth depending on saving rate, debt, and what they've done with their money over time — which is why financial planners track net worth as the real long-term progress metric, not take-home pay.

Use market value, not what you paid

For real estate and vehicles, use what they'd sell for today, not the purchase price — a home you bought years ago is probably worth more now, and a car depreciates the moment you drive it off the lot. Revisit this calculation every few months or after a big financial change to track your trend over time, since one snapshot matters less than the direction it's moving.