QuietCalcsWhat "net worth" means
Your net worth is just one number: everything you own, minus everything you owe. Own $80,000 of savings, investments, and home equity, owe $15,000 on a car and cards, and your net worth is $65,000. That's it — no percentages or formulas to memorise.
Watching that one number over the years tells you more than any single bank balance. If it's slowly climbing, you're building wealth. If it's flat or slipping, that's worth knowing early.
Why the line is bumpy
Most calculators draw a perfectly smooth, ever-rising curve. Real money doesn't work like that. Savings tick up quietly, but investments have great years and bad years — some years they fall. This calculator builds in a realistic run of good and bad years, so the line goes up overall but wobbles along the way, just like the real thing. It's one believable path, not a promise.
What we assume (so you don't have to)
- Savings grow slowly — roughly keeping pace with rising prices.
- Investments & pension average about 7% a year over the long run, but with real ups and downs (including losing years).
- Your home rises gently over time, around 3% a year.
- Debts simply shrink by what you pay each month, until they reach zero.
These are rough, long-run averages, not guarantees. The numbers are in today's money terms to keep them easy to picture. This is a planning aid, not financial advice.
Common questions
How do I work out my net worth?
Add up what you own — money in the bank, investments and pensions, and the part of your home you actually own after the mortgage. Then take away what you owe, like loans and credit cards. The number left over is your net worth. Just type those amounts in above.
Should I include my house?
Yes — but only the part you own. If your home is worth $300,000 and you still owe $250,000 on the mortgage, the $50,000 difference is what goes in the "Your home" box.
Why doesn't it just show a smooth line going up?
Because real investments rise and fall. A smooth line looks tidy but sets a false expectation. The wobble here is deliberate, to show that the path is uneven even when the overall direction is up.
Is my information saved anywhere?
No. Everything you type stays in your own browser, on your own device. Nothing is sent to us or stored on a server.
Related calculators
Compound Interest Calculator — see how one pot of money grows.
Mortgage Payoff Calculator — pay off your home sooner.
Coast FIRE Calculator — when your savings can carry themselves.
Retirement Withdrawal Calculator — how long your money lasts once you stop adding to it.