Add up everything you own minus everything you owe — your personal balance sheet in one number.
Liquid net worth (cash + taxable investments \u2212 short-term debt) shows what you could mobilize quickly. Retirement and home equity build long-term wealth but aren't spendable today.
A free net worth calculator. Enter your assets (cash, investments, retirement accounts, home, vehicles) and liabilities (mortgage, car loans, student loans, credit cards) to see your net worth at a glance — plus liquid assets, home equity, debt-to-asset ratio and a side-by-side breakdown of where your wealth sits. Use it to track progress year over year and stress-test your FIRE plan.
A common US rule of thumb (from The Millionaire Next Door) is: expected net worth = age × pre-tax annual income / 10. So a 40-year-old earning $80K should have ~$320K. Half that is below average; double is wealthy. Indian benchmarks vary widely — a Bengaluru tech professional at 35 with ₹1 crore net worth is doing well.
Yes, but at current market value (not purchase price), and net the mortgage separately under liabilities. Some people prefer 'liquid net worth' which excludes the home and retirement accounts entirely — that's the cash you could mobilize quickly in an emergency.
Technically yes, at current resale (KBB/OLX) value, but most vehicles depreciate 15–20% per year so they shouldn't dominate your balance sheet. If you wouldn't notice the line item disappearing, it doesn't matter much.
Yes — 401(k), IRA, EPF, NPS, PPF balances are all part of your net worth. They just aren't liquid (early withdrawal triggers tax/penalty). The 'liquid assets' tile separates them so you can see both views.
Under 0.3 is comfortable. 0.3–0.5 is normal when carrying a recent mortgage. Above 0.5 means more than half of what you own is financed — fine if you're early in a mortgage, concerning if it's all credit card and personal loans. Above 1.0 is technically insolvent.
Include vested RSUs at current market value under investments. Unvested RSUs and unexercised options are conditional — most planners exclude them or count at 50–70%. Don't count private company shares at the latest funding round price; haircut heavily for illiquidity.
Everything is stored in the URL, not on our servers. Bookmark the page after entering your figures and you'll get the same view back. Clear the URL parameters to wipe the inputs.
Plan Financial Independence, Retire Early — your FIRE number, FIRE age, and a side-by-side view of Lean, Regular and Fat FIRE.
Track how close you are to financial independence — progress %, savings rate, FI ratio and whether you’re ahead or behind your target FIRE age.
Project your retirement nest egg and the monthly income it can fund — in today's dollars.
See exactly how your money grows — with daily, monthly, or annual compounding.