Financial decision guide and interactive simulator

Net worth calculator

Is my financial position becoming stronger and more liquid?

What this calculation is designed to show

Net worth is assets minus liabilities, but assets serve different purposes. Cash can cover emergencies immediately, while retirement accounts, property and vehicles may be inaccessible or costly to sell.

How to test the decision

Track liquid runway separately from total net worth. Use conservative asset growth and vehicle depreciation, and update balances periodically rather than treating the projection as a promise.

Using the result responsibly

Change one important assumption at a time and compare a cautious case with the expected case. The interactive calculator below updates from the values you enter. Its output is an educational estimate, not financial, tax, legal or investment advice.

Read the calculation methodology or learn about The Finance Check.