Net Worth Calculator

Net worth is the single most important number in personal finance: Total Assets − Total Liabilities. It captures your real wealth at a point in time.

Income tells you flow; net worth tells you stock. A high earner with high lifestyle can have lower net worth than a steady saver — what you keep matters more than what you make.

Track net worth quarterly. The number going up means you're winning. Sideways or down for multiple quarters means lifestyle inflation is eating your gains.