Net worth calculator | Kiplinger

Don’t obsess over accounting for every penny. Approximate values ​​will do the trick, especially when it comes to tangible and illiquid items like collections. See below for definitions of terms in this calculator and read our tips on how to establish more accurate values ​​for your various assets.


Species: what you have on hand, what is in your checking accounts and what is in your savings accounts. Include savings bonds and certificates of deposit.

Pension saving: the value of your 401 (k), IRA or other defined contribution plans. Pensions can be difficult to value.

Other investments / brokerage accounts: Use your most recent statements for stocks, bonds, mutual funds and other negotiable instruments.

Companies you own: While these can be potentially large assets, they can be illiquid or have significant debt. You will know better how to value them according to your personal situation.

Life insurance Where Annuities: Your premium payments on a whole life insurance policy increase your equity by increasing the cash value of the policy (the amount you would get if you cashed it out). Also include the cash value of any annuity you own.

Principal residence: If you are an owner, this is likely to be your greatest asset. Online calculators can help you get an estimate, but also check to find out what similar homes in your area are selling for. The same goes for a rental or vacation property that you might own.

Goods: While cars are relatively easy to assess with online guides, other tangible items can be more difficult. Consult specialist guides (or look at comparable online auction prices) and be careful.

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