ClutchCalcs

Finance

Net Worth

Total assets minus total liabilities. The single most useful number for tracking long-term financial health.

Assets (what you own)
Liabilities (what you owe)

FAQ

What's liquid net worth? +
Net worth excluding home equity. The amount you could access in cash without selling your house. Important separate number.
When should I include retirement? +
Always — it's yours. Just remember it's not accessible without penalty before 59½. Track total net worth + liquid net worth + retirement separately.