Net Worth Calculator
Where do you actually stand, in one number?
Net worth
0
assets minus liabilities
Total assets
0
everything you own
Total liabilities
0
everything you owe
Net worth is simply what you own minus what you owe, at a single point in time — it is not your income, and a high income with high liabilities can still add up to a low or negative net worth. Recalculating this every few months (not every day) is the useful habit, not the exact number on any one day.
Frequently asked questions
What's a reasonable percentage of income to save each month?
A commonly cited target is 20% of take-home income toward savings and investments, though the right number depends heavily on your expenses, debt, and goals. Starting with any consistent amount and increasing it over time matters more than hitting a specific percentage from day one.
How do I build a budget that actually sticks?
Budgets that fail are usually too restrictive to sustain. Tracking actual spending for a month before setting targets, building in a discretionary/fun category rather than eliminating it entirely, and automating savings so it happens before you can spend it all tend to work better than a rigid, all-or-nothing budget.
What's the 50/30/20 rule?
A simple budgeting guideline: roughly 50% of take-home income to needs (rent, utilities, groceries), 30% to wants (dining out, entertainment), and 20% to savings and debt repayment beyond the minimum. It's a starting framework, not a strict rule -- adjust the splits to your actual cost of living.
How much should I keep as an emergency fund?
A common guideline is 3-6 months of essential expenses, held somewhere liquid and low-risk rather than invested for growth. Build it before aggressively investing elsewhere -- it's what keeps a job loss or medical bill from forcing you to sell investments at a bad time.
Estimates only, not financial advice. See our Disclaimer.
