Net Worth Calculator

Net worth is total assets (what you own) minus total liabilities (what you owe). Assets include cash, investments (401(k), Roth IRA, HSA, brokerage, 529), home equity component of real estate at market value, vehicles, and other valuables. Liabilities are all debts — mortgage, student loans, credit cards, auto loans.

Yes — include the market value of your home as an asset and the mortgage balance as a liability. This gives you a true net worth figure. Just remember your home is illiquid: selling it costs 6-10% in commissions and closing costs, and you'll need somewhere else to live. The 'liquidity ratio' in this tool separates liquid from illiquid assets for this reason.

Under 30: aim for 70%+ of investments in tax-advantaged accounts (401(k), Roth IRA, HSA) since you have decades of tax-free compounding ahead. 30-44: 60-70% is healthy. 45-59: 50-60% is typical as taxable accounts grow post tax-advantaged max. 60+: bracket management matters more than %.

Capture employer match first (instant 50-100% return). Max HSA if eligible ($4,400 self / $8,750 family). Max Roth IRA ($7,000). Max 401(k) ($23,500 in 2025). Use backdoor Roth if income exceeds phaseouts. 529 for education. Only then prioritize taxable brokerage.

401(k)/403(b): pre-tax, grows tax-deferred. Roth IRA/Roth 401(k): post-tax, grows tax-free. Traditional IRA: pre-tax (deductibility phased out above certain incomes if covered by workplace plan). HSA: triple-tax-advantaged (deductible going in, tax-free growth, tax-free qualified withdrawals). 529: state-deductible in many states, tax-free growth for qualified education expenses.