How do I value private investments?

For stocks/funds: today's market price × shares. For crypto: same. For private business or art: hardest — use last sale value or a conservative estimate.

What's a "good" net worth?

Hard to say without context. Common benchmark: net worth = age × income ÷ 10. So a 35-year-old earning $80k would target $280k net worth. Useful as a goal, not as judgment.

Net Worth Calculator

Total assets minus total liabilities — track your financial picture.

Result

Net worth

$226,800.00

Total assets$465,000.00
Total liabilities$238,200.00
Liquid net worthcash + investments − non-mortgage debt$95,800.00
Debt-to-asset ratiolower is better51.2%
Home equity$130,000.00

How to use this calculator

Use current market value for real estate (Zillow estimate), vehicles (KBB), investments (today's balance).
Use current balance for all loans — not the original amount.
Recalculate every 3 months; quarterly cadence catches trends without daily noise.
Don't include income or recurring bills — only balance-sheet items.

About this tool

Net worth is the single best one-number snapshot of your financial health: everything you own (assets) minus everything you owe (liabilities). Calculate it once a quarter to see real progress — paying off debts and growing investments both move the needle in the same direction. The "liquid net worth" line strips out home equity and counts only what you could actually access in a crisis. Negative net worth (common for new homeowners with student loans) is fine if it's trending up; the trajectory matters more than the absolute number.