Net Worth Calculator
Determine your total net worth by cataloging assets and liabilities. Designed for high-net-worth individuals managing complex portfolios.
Total Net Worth
Enter your major asset categories and liabilities to calculate your overall net worth.
Liquid Net Worth
Calculate your investable net worth excluding illiquid assets like real estate and business interests.
Net Worth Growth Projection
Project how your net worth will grow over time based on current assets, savings rate, and expected returns.
About the Net Worth Calculator
Understanding your net worth is the foundation of effective wealth management. Our Net Worth Calculator is designed for high-net-worth individuals who need to track complex portfolios spanning multiple asset classes, real estate holdings, business interests, and investment accounts. By tallying every asset against every liability, you gain a clear picture of your true financial position.
For affluent individuals, net worth calculations involve more than simple bank balances. You may hold assets in trusts, LLCs, offshore accounts, private equity funds, and alternative investments. Our calculator accommodates these complexities by separating liquid assets from illiquid holdings, providing both total and investable net worth figures that financial advisors commonly use for planning purposes.
Tracking net worth over time is equally important. The growth projection variant helps you model future wealth accumulation based on your current trajectory, expected returns, and annual savings rate. Whether you are planning for early retirement, estate transfers, or philanthropic goals, knowing your projected net worth is essential for making informed decisions.
Frequently Asked Questions
What is considered a high net worth?
A high-net-worth individual (HNWI) is generally defined as someone with liquid financial assets of $1 million or more. Ultra-high-net-worth individuals (UHNWI) have assets exceeding $30 million. These thresholds exclude primary residences and are used by financial institutions for wealth management services.
How do I calculate my net worth accurately?
To calculate net worth, add all your assets (cash, investments, real estate, retirement accounts, business interests, collectibles) and subtract all liabilities (mortgages, loans, credit card debt, taxes owed). Use current market values rather than purchase prices for the most accurate figure.
Should I include my primary residence in net worth?
Yes, your primary residence should be included in your total net worth calculation at its current market value. However, many financial advisors distinguish between "investable net worth" (excluding primary residence) and "total net worth" (including all assets). The mortgage balance is counted as a liability.
How often should I recalculate my net worth?
Financial advisors recommend recalculating net worth quarterly or at minimum annually. For active investors, monthly tracking provides better insight into portfolio performance. Major life events like property purchases, business sales, or inheritance also warrant an immediate recalculation.