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Balance sheet

Net worth calculator

Net worth is one subtraction. The interesting part is the second number this page shows you — how much of that total is money you could actually spend, and how much is the house you live in.

What you own

Currency

Changes the symbol on your figures. It does not convert them — there is no exchange rate here.

Index funds, shares, workplace and personal pensions.

Market value. Kept separate below, because you cannot spend it.

A second property, a car worth selling, anything else of real value.

Net worth

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Total assets

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Total liabilities

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Could fund retirement

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This calculator needs JavaScript to recalculate. The figures above are a worked example, and every assumption behind them is written out below.

What this assumes

The home you live in is counted in net worth and excluded from the retirement figure. Both are correct: it is genuinely part of your wealth, and it genuinely cannot pay for your groceries without you moving out.

Values are whatever you say they are. Nothing is fetched, nothing is linked, and no account is connected.

The number under the number

Two people with an identical net worth of 268,000 can be in completely different positions. One has 140,000 invested and a small mortgage; the other has 20,000 invested and most of their wealth in a house they need to live in. The first is roughly four years from coasting. The second is not close.

This is why the third statistic above exists. Net worth is the honest headline, but the figure that predicts freedom is the part of it that could be sold and spent without changing where you sleep.

What counts, and what people get wrong

Include: cash, investments, pensions you will eventually access, property, and anything else with a real resale value. Exclude: this month’s salary, anything you would not actually sell, and possessions at their purchase price rather than what someone would pay today.

Cars are the usual dispute. A car is an asset if you would sell it and could manage without it; for most people it is neither, and counting it inflates the total without changing anything real.

Track it quarterly, not daily

Net worth moves with markets, and checking it often enough to see that movement teaches you nothing except anxiety. Once a quarter is frequent enough to see the trend and rare enough that the trend is the thing you see.

Common questions

Should I include my pension?
Yes. It is money you own, even if you cannot reach it yet. If it changes how you read the number, keep two lines — total net worth and the part accessible before retirement age — rather than leaving the pension out entirely.
Should I include my house?
In net worth, yes; in a retirement projection, no. This page shows both, which is why the two figures differ. A home you live in is real wealth that produces no income and cannot be spent without buying or renting somewhere else.
What is a good net worth for my age?
The comparison is less useful than it looks, because it ignores where you live, what you earn and what you want. A more useful question is how many years of your own spending your invested assets would cover — that number is comparable to your own past and to your own plan, which is the only comparison that changes anything.
Does a negative net worth matter?
It is common in your twenties, particularly with student debt, and on its own it says very little. The direction matters more than the level: a figure moving upward each quarter is a working plan regardless of where it started.

The app this comes from

A balance sheet is only true on the day you write it

The reason most people know their net worth once a year is that assembling it means opening six apps. TLDR Money keeps assets and liabilities as values you maintain in one place, and feeds the total straight into the FIRE projection — so updating one number updates the date.

Not out yet. TLDR Money International is in build for the United States and the United Kingdom first, on iPhone and Android. There is nothing to download and nothing to sign up to — when there is, this page will say so.

Last reviewed 20 August 2026. The arithmetic behind this page is covered by automated tests that run on every deploy.