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Net worth is the single number that summarizes your financial position: everything you own (assets) minus everything you owe (liabilities). It's the foundation every other calculator on this site ultimately builds on — your FIRE number, runway, and coast FIRE progress are all measured against the invested portion of your net worth.

How it's calculated

Net worth = total assets − total liabilities. Assets typically include cash, checking/savings balances, brokerage and retirement accounts, real estate (at current market value, not purchase price), and other valuables; liabilities include mortgages, auto loans, student loans, and credit card balances. For FIRE-style planning, it's useful to separate investable net worth (cash and market-tradable investments that can fund withdrawals) from illiquid assets like your primary home, since a paid-off house doesn't generate portfolio income the way a brokerage account does.

Why it matters

Tracking net worth over time — rather than a single snapshot — reveals whether you're actually building wealth or just moving money around, since income alone doesn't capture debt paydown, asset appreciation, or spending patterns. It's also the metric lenders, and honestly your own financial planning, care about more than gross income, because two people earning the same salary can have wildly different financial security depending on savings rate and debt load.

Common pitfalls

Valuing your home or other illiquid assets at an optimistic, non-market price inflates net worth in a way that doesn't reflect real spending power. Another common mistake is ignoring taxes embedded in tax-deferred accounts (a traditional 401(k)/IRA balance isn't fully "yours" — withdrawals will be taxed), which means two accounts with the same balance aren't equally valuable for spending purposes.