Net worth calculator

Everything you own minus everything you owe, split the three ways that actually matter: the headline number, what you could get at in a week, and the version the SEC uses to decide whether you are an accredited investor.

Disclosure: I earn nothing from this page. There are no affiliate links here, no bank or broker deals, and nothing is gated. This calculator makes no network request and stores nothing; there is no form and no account.

The figures already in the boxes are placeholders so the page is not blank. They are nobody’s numbers. Replace them with yours.

What you own

Cash, checking, savings ($)

Brokerage, taxable ($)

Retirement accounts ($)

401(k), IRA, Roth, pension cash value. Before any tax or penalty.

Primary residence, market value ($)

What it would sell for, not what you paid.

Other real estate ($)

Vehicles ($)

Resale value today, which is less than you think.

Other assets ($)

Crypto, business equity, collectibles you could actually sell.

Total assets–

What you owe

Mortgage on the primary residence ($)

Balance today, including any HELOC secured by the home.

Of that, borrowed in the last 60 days ($)

Only matters for the accredited test. The purchase mortgage itself does not count; a HELOC draw or refinance cash-out does. Leave at 0 otherwise.

Other mortgages ($)

Student loans ($)

Auto loans ($)

Credit cards ($)

Other debts ($)

Personal loans, margin loans, money owed to family.

Total liabilities–

Net worth

–

Liquid net worth

–

Without the house

–

Accredited-investor net worth

–

The $1,000,000 test

$0$1,000,000

The SEC’s net worth test for a natural person is joint or individual net worth in excess of $1,000,000, with the primary residence left out of the assets. The mortgage on it is left out too, up to the home’s value; anything borrowed against the home in the 60 days before the investment, and any mortgage balance above the home’s value, counts against you. Sources below.

Where it sits

Assets

Liabilities

Both bars share one scale. When the house is most of the top bar and the mortgage is most of the bottom one, the headline number is mostly a bet on one asset in one zip code.

Three net worths, and why the tile you quote should be the second one

Net worth is total assets minus total liabilities. It is the number people mean, and it is the least useful of the three, because it treats a paid-off car and a brokerage account as the same kind of dollar.

Liquid net worth is what you could turn into cash inside a week without a penalty: cash and taxable brokerage, minus credit cards and other unsecured debt. Retirement accounts are out because of the withdrawal penalty, the house is out because it takes months, the car is out because you need it. This is the number that decides whether a margin call, a layoff, or a roof is a problem or an inconvenience.

Accredited-investor net worth is the SEC’s definition, computed the way its own compliance guide computes it, so the tile is comparable to the $1,000,000 threshold. Where a mortgage is both above the home’s value and partly drawn in the last 60 days, this page subtracts both amounts, reading the rule’s two inclusions as separate; the guide’s examples never combine the two cases. Passing it opens private offerings that are closed to most people, which is the only reason anyone runs this version.

Sources. 17 CFR 230.501(a)(5): “Any natural person whose individual net worth, or joint net worth with that person’s spouse or spousal equivalent, exceeds $1,000,000,” with the primary residence excluded as an asset. Read via law.cornell.edu, 2026-08-31. The mortgage treatment, the 60-day rule and the worked examples the tile follows are from the SEC small-entity compliance guide on the accredited investor net worth standard, sec.gov, read 2026-08-31 and again 2026-09-01. Verification of your status for a specific offering is the issuer’s job, not this page’s.

Where to go next

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The trading journal Real trades, real size, and the account that never made it into the liquid tile.

What this is not. A net worth is a snapshot on the day you compute it, at prices you estimated. The house is worth what a buyer pays, the retirement balance is before tax, and the car is worth less tomorrow. None of the three tiles is a credit score, a loan qualification, or a legal determination of accredited status.

Nothing here is investment advice, a recommendation, or a solicitation.