The figures are examples: change them to yours, and leave out anything you don’t have.
What you own
Checking, savings and CDs
401(k), IRA and HSA
Brokerage accounts, funds, crypto
What it would sell for
What they would sell for
Other property, a business
What you owe
And buy now pay later
More options· Essentials
Housing, bills, food, transport: to see how long your cash would last
Your net worth
$170,000
You own $455,000 and owe $285,000
- Home equity
- $100,000
- Without your home
- $70,000
- Cash and investments
- $25,000
What this means
Your debts are 63% of what you own. That share falls as you pay down debt and your savings grow.
Most of many people’s net worth is their home and retirement savings, which you can’t easily spend. Cash and investments of $25,000 are what you could reach in an emergency or for a goal.
Work it out once or twice a year: the trend matters more than the number. Bookmark this page to keep your figures: they’re saved in the link, not on our servers.
Your balance sheet
| Cash and savings | $15,000 |
| Retirement accounts | $60,000 |
| Other investments | $10,000 |
| Your home | $350,000 |
| Cars and vehicles | $20,000 |
| You own | $455,000 |
| Mortgage | −$250,000 |
| Car loans | −$12,000 |
| Student loans | −$20,000 |
| Credit cards | −$3,000 |
| You owe | −$285,000 |
| Net worth | $170,000 |
Where it is
- Cash and savings$15,000
- Retirement accounts$60,000
- Other investments$10,000
- Your home$350,000
- Cars and vehicles$20,000
- Mortgage$250,000
- Car loans$12,000
- Student loans$20,000
- Credit cards$3,000
Assumptions in this estimate
- Use what things would sell for today, not what you paid. For a car, check a used-car price guide; for a home, recent sales nearby.
- Retirement savings are counted at their full value, before any tax you’d pay taking them out.
- Nothing you enter is sent to us: the calculation happens in your browser.