Net Worth Calculator
Add up everything you own and take away everything you owe to find your true net worth, then see how much it needs to grow each year just to stay ahead of inflation.
Default inflation rate for Other: 3.0% per year, based on long-run global CPI averages data (2026). You can override it in each calculator’s advanced options. See data sources for full citations.
How We Work It Out
Net worth is the simplest and most honest measure of financial health:
To hold its buying power, your net worth has to grow by at least the inflation rate each year.
Real-World Examples
A typical household balance sheet
With $302,000 in assets (cash, investments, a $250,000 home, retirement, and a car) and $197,000 in liabilities (mortgage, loans, and credit-card debt), net worth is $105,000 and the debt-to-asset ratio is about 65%. At 2.5% inflation, that net worth has to grow about $2,600 a year just to hold its buying power.
Frequently Asked Questions (FAQ)
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