Savings
Net Worth Calculator
Add up what you own, subtract what you owe, and see where you actually stand — plus how it breaks down.
What you own
What you owe
What this means
Add up what you own ($318,000) and subtract what you owe ($233,000) and you get $85,000. That’s not a score and it’s not a judgment — it’s a snapshot you can take again in six or twelve months to see which way you’re moving.
Worth a second look: your liquid net worth — cash and investments minus unsecured debt — is $19,000. It leaves out the mortgage and any auto loan on purpose: that debt is tied to the house and vehicle you’re also leaving out, so excluding both together keeps the comparison fair. What’s left is a read on your cash cushion against the debt that isn’t backed by a specific asset — without selling the house or the truck to find out.
These are estimates to help you think — not personalized legal, tax, or investment advice, and not a promise of any result. In the app, Brix reads your numbers and turns them into your next step.
This calculator adds up everything you own — cash, savings, investments, home and vehicle value — and subtracts everything you owe, so you get one honest number: your net worth. It's not a score and it's not a judgment. It's a snapshot, and snapshots are useful because you can take another one later and see which way you're moving.
Why it matters: net worth is the only number that captures your whole financial picture in one place. A high income with high debt can add up to less than a modest income with steady saving. Checking it once or twice a year — not obsessively — is enough to tell you whether the plan is working.
How to use it
- 1
Add up what you own
Enter your cash and savings, investment and retirement balances, and the estimated value of your home and vehicles. Use real balances from statements, not guesses — and use what the home would sell for today, not what you paid.
- 2
Add up what you owe
Enter your mortgage, auto loans, student loans, and other debt like credit cards. Pull real balances, not the minimum payment; the balance is what's actually owed.
- 3
Read the number, then the breakdown
Net worth is what's left after debts come out of assets. Look past the total, too — how much of what you own is cash you could reach quickly versus locked up in a house, and how much of what you owe is secured by something versus sitting on a card.
Behind the numbers
Liquid vs. illiquid assets
Cash, savings, and most investments are liquid — you can turn them into spendable money in days. A home or a vehicle is illiquid — worth real money, but not money you can grab in an emergency without selling something you live in or drive. Both count toward net worth, but they don't behave the same way when life throws a curveball.
Secured vs. unsecured debt
A mortgage or auto loan is secured — tied to something the lender can take back if you stop paying. A credit card or personal loan is unsecured — nothing but your promise backs it, which is usually why it carries a much higher rate. Same dollar of debt, very different risk and cost.
Why the number moves — and why that's fine
Home values shift, markets swing, and debt goes up before it comes down. A single net worth number is a snapshot, not a verdict. What matters is the trend over a year or two: is the gap between what you own and what you owe growing?
The math behind it
Net worth is subtraction, not a formula: total assets minus total liabilities. The nuance is in the categories — separate what's liquid (cash, savings, investments you could sell quickly) from what's illiquid (home, vehicles), and separate secured debt (backed by something you own) from unsecured debt (backed by nothing but your signature). The categories don't change the total, but they change what the total is telling you.
Worked example
$8,000 in cash and investments, plus a $280,000 home and a $15,000 truck, is $303,000 in assets. A $220,000 mortgage and a $9,000 truck loan is $229,000 in secured debt, plus $6,000 on a credit card, for $235,000 in total liabilities. Net worth: $303,000 − $235,000 = $68,000. But liquid net worth — cash and investments minus only the unsecured debt — is $8,000 − $6,000 = $2,000: the mortgage and truck loan are tied to the house and truck already counted on the assets side, so they're left out of this number on purpose.
Track it, don't chase it
Recalculate every six to twelve months, on the same day each time, and watch the trend instead of the number. A net worth that's climbing — even slowly — means the plan is working, no matter where it started.
Common questions
What is net worth?
Everything you own, added up, minus everything you owe. Own more than you owe and the number's positive; owe more than you own and it's negative. Neither one is a moral judgment — it's a snapshot you can act on.
Is a negative net worth bad?
It's common, especially early on — a mortgage or student loans can put most people underwater on paper for years. What matters more than the number today is the direction: is debt shrinking and are assets growing? Track it every six to twelve months and watch the trend, not the snapshot.
Should I count my home and car at full value?
Use what they'd realistically sell for today, not what you paid or what you owe. A vehicle usually loses value fast, so keep that estimate current. And remember: a home's value is illiquid — it doesn't help pay a bill until you sell or borrow against it.
Go deeper
The calculator gives you a number. The Retirement & Financial Independence Brick teaches you what to do with it, in plain English. And if you’re not sure where to start, the free BrickScore checks your whole foundation in about 5 minutes.