Tools · Net Worth
What are you actually worth?
Net worth is the single number behind every exit plan: everything you own, minus everything you owe. Add it up — privately, in your browser.
Assets
What you own.
Liabilities
What you owe.
Net worth includes illiquid assets (property, retirement) — for your runway, only liquid cash counts. Education, not financial advice.
Frequently asked questions
How do I calculate my net worth?
Add up everything you own (cash, investments, retirement, property, vehicles) and subtract everything you owe (mortgage, loans, credit-card and other debt). Assets minus liabilities is your net worth.
What counts toward net worth?
Assets: liquid cash, taxable and retirement investments, real estate and valuable possessions. Liabilities: mortgages, student and car loans, credit-card balances. For an exit plan, the liquid portion matters most.
What should my net worth be by age?
One common guideline is ~1× your annual salary saved by 30, 3× by 40 and 6× by 50 — but these are averages, not targets, and vary widely by income, location and goals.
Net worth vs liquid net worth?
Net worth includes illiquid assets like home equity and retirement you can't easily tap. Liquid net worth counts only what you could spend soon — cash plus accessible investments — which is what actually funds a career break or early exit.