Liquid Net Worth Calculator
Find your liquid net worth — the cash and assets you could actually spend today after leaving out your home and retirement accounts.
Assets and debts are totaled in your browser — your full financial picture stays on your device.Try: Cash & savings=15000, Investment accounts=40000, Home value=320000, Retirement accounts (401k/IRA)=60000, Vehicle value=18000, Other assets=5000, Mortgage balance=250000, Auto loan=8000, Credit card debt=2000, Student loan=15000, Other debt=0, Your age (for percentile)=35 → $458,000, $275,000, $183,000, $70,000, $53,000, 60.0%
How to use
Liquid net worth strips out your home and retirement accounts, which are hard to turn into spendable cash without selling or taking a penalty. What’s left — cash, brokerage holdings, cars, and other saleable assets minus their loans — is what you could access in a pinch. It’s the number lenders and emergency-fund planners care about.
FAQ
Why exclude my home and 401(k)?
Because you can’t easily spend them. Your home is shelter, and retirement accounts carry penalties or age limits before you can withdraw. Liquid net worth shows what’s genuinely available.
What is a healthy liquid net worth?
Most planners aim for three to six months of living expenses in liquid form, held in cash or things you can sell fast. The rest can stay in home equity and retirement.