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Net Worth Calculator
Everything you own minus everything you owe — one number, and the milestone it's approaching.
What you own
What you owe
$8,000 to go
- ◉$100K
- $250K
- $500K
- $1M
A snapshot, not a scoreboard — today's realistic resale values, each dollar counted once. The rail marks the classic milestones; the next one lights up as you type.
How it works
Net worth is the bluntest number in personal finance: add up everything you own, subtract everything you owe, and look at what's left. It ignores income entirely — a big paycheck with bigger spending can produce a smaller number than a modest one with steady saving — which is exactly why it's worth computing. The two lists above are the whole model: assets at today's realistic resale values, debts at today's payoff balances, one subtraction.
The defaults sketch a common mid-journey picture. $325,000 owned — a $250,000 home, $45,000 invested, $10,000 in cash, a couple of vehicles — against $233,000 owed, most of it the mortgage on that same home. Net worth: $92,000. The mirrored bars show the shape of it, and the rail below shows what the number is doing: 92% of the way to $100K, $8,000 to go. And if your own subtraction comes out negative, that's a starting line, not a verdict — plenty of net worths begin under zero and climb.
ClariFi tracks this number for you with daily snapshots — same subtraction, run automatically across your synced accounts — and the same milestone ladder you see here, extended to 12 rungs, with your pace to the next one estimated from your actual saving rate instead of a guess.
The formula
assets = cash + investments + property + vehicles + other liabilities = mortgage + loans + cards + other net worth = assets − liabilities next rung = first of $100K · $250K · $500K · $1M above the number Example: $325,000 − $233,000 = $92,000 → 92% of the $100K rung · $8,000 to go
Honest assumptions
- Enter today's realistic resale values, not purchase prices — the car is worth what it would sell for this week, and the home deserves a conservative estimate, not the neighbor's asking price.
- Retirement accounts count as investments even though you can't spend them for decades — they're yours, and leaving them out understates the picture.
- Balances are taken at face value; actually selling an asset can trigger taxes and transaction costs this page doesn't model.
- This is a snapshot — the number moves every day with markets and balances. ClariFi's version updates itself daily so you watch the trend, not one reading.
- This page does arithmetic. It doesn't know your life — it's a starting point, not a plan, and not advice.
Questions people ask
Does my home count toward net worth?
Yes — at a realistic sale value on the asset side, with the mortgage balance on the debt side. The pair nets out to your home equity, which for many households is the single biggest slab of net worth. Just resist the urge to use an optimistic price: the calculator gets more useful as the inputs get more honest.
How do I count a pension or 401(k)?
A 401(k) or IRA has a balance, so it goes under investments at face value — it's your money even if it's decades from spendable, though taxes will take a slice on the way out. A traditional defined-benefit pension is trickier: it's a promise of future income, not a balance, so it doesn't fit cleanly in a one-number snapshot. Most people leave it out and remember it exists — a net worth that excludes a good pension is understating your position, not overstating it.
Why track net worth monthly?
Because one reading tells you almost nothing — the number only becomes informative in motion. Monthly is frequent enough to see whether debt payoff and saving are actually moving the line, and infrequent enough that market noise doesn't dominate. The direction over a few quarters is the real signal; any single month is weather.
What's a "good" net worth for my age?
There's no honest single answer — the spread at every age is enormous, and averages get dragged around by outliers, housing markets, and inheritances, so comparing yourself to a published figure mostly manufactures either smugness or despair. The benchmark that actually predicts anything is your own number last quarter. If the line is climbing, the plan is working, whatever the internet says the average is.
Related calculators
ClariFi makes tools, not advice. Nothing on this page is a recommendation to buy, sell, or sign anything.
In the app
ClariFi runs this math on your real accounts.
Connect your bank once and the numbers on this page compute themselves — live, private, every day. Free in TestFlight early access.
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