Tool 10 · Net worth
What are you actually worth?
Net worth is the one number that captures your whole financial picture: everything you own minus everything you owe. Add yours up, then watch where steady saving takes it. It all stays on your device.
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Average yearly growth on your investable net worth.
Pro features. Model raises and inflation, read insights, see the year-by-year path, compare growth rates and export.
Where it's heading
Refine the model
Save a little more each year as your income grows.
Adds a “real value” line so you see it in today’s prices.
Year by year
Compare growth rates
| Growth rate | Net worth in 30y | Gain |
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How to calculate your net worth
Net worth is simple arithmetic with a big payoff in clarity: total assets − total debts. Assets are everything you own that has value — cash, investments and pensions, your home, a car. Debts (liabilities) are everything you owe — a mortgage, loans, credit-card balances. The difference is your net worth, and it’s the single best snapshot of your financial health.
A negative number just means your debts currently outweigh your assets — common early in life, and nothing to panic about. What matters is the direction. This tool adds up both sides, then projects where regular saving takes you over the next 30 years, so you can see today’s number turn into tomorrow’s. Everything you enter stays in your browser and is never sent to us.
Net worth cuts through the noise of income and spending to answer one question: are you actually building wealth? A high earner drowning in debt can have a lower net worth than a modest earner who saves diligently. Tracking it every few months turns vague financial anxiety into a single number you can watch climb — and that feedback loop is one of the most motivating habits in personal finance. The goal isn’t a particular figure; it’s a line that trends up over time.
A worked example
€295,000 in assets (cash, investments, home, car) · €210,000 in debts (mortgage, loans, cards)
Net worth today is €85,000. Adding €500 a month and growing the total at 6%, it could reach around €237,000 in ten years and over €1,000,000 in thirty — the quiet power of steady saving plus compounding. Watching those milestones is far more motivating than any single monthly budget line.
Things to keep in mind
- Track it consistently. Update the same way each time (say, every quarter) using current market values, so the trend is meaningful even if any single snapshot is approximate.
- Direction over level. Whether you start positive or negative matters far less than whether the line is rising. A negative net worth early in life is common and temporary.
- Be honest about asset values. Use realistic resale values for a car or home, not optimistic ones — and remember a home you live in doesn’t produce spendable income.
- Clearing debt lifts net worth fastest. Paying down a high-interest balance is a guaranteed, immediate boost to the bottom line, with no market risk.
Frequently asked questions
What’s a "good" net worth for my age?
There’s no universal target — it depends on income, cost of living and when you started. Rather than compare to others, compare to yourself: is the number higher than it was last year? A steadily rising net worth is the real sign of financial health, whatever the absolute figure.
How often should I update it?
Quarterly is plenty for most people — often enough to see the trend and stay motivated, rare enough that short-term market wiggles don’t distract you. Everything you enter here stays on your device, so there’s no account to maintain.
Should I include my home and mortgage?
Yes — include your home’s current market value as an asset and the outstanding mortgage as a debt. The equity (value minus mortgage) is the part that counts toward your net worth.
My net worth is negative — is that bad?
Not necessarily. Student loans or a new mortgage can put you in the red early on. The trend matters far more than the starting point — keep saving and it climbs.
What growth rate should I use?
It depends on how your net worth is invested. A portfolio heavy in stocks might average ~6–7% after inflation over the long run; cash and property grow more slowly. Pick a figure you’re comfortable defending, and remember it’s an estimate.