What counts as net worth?

Net worth is total assets minus total liabilities.

What is the financial independence ratio?

It compares net worth with annual expenses to show how many years of expenses your net worth represents.

Net Worth Calculator

Assets

Property value(s)$Retirement accounts$Savings$Investments$Other assets$

Liabilities

Mortgage(s)$Loans$Credit cards$Other debt$

Annual expenses$Net worth target$Projected monthly increase$

$275,500

Total net worth

$527,000

Total assets

$251,500

Total liabilities

5.3x

Financial independence ratio

Nov 2033

Projected target date

Asset vs liability split

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How to use the net worth calculator

List your assets, then subtract mortgages, loans, credit cards, and other liabilities. The result is your current net worth. The donut chart shows how large the asset base is compared with liabilities, which can be clearer than looking at a single number alone.

The target date estimate uses your projected monthly net worth increase. It is intentionally simple and does not assume investment volatility, inflation, taxes, or property value changes.