About this tool
Net worth is the single best snapshot of your financial position: assets minus liabilities. Tracking it over time (monthly or quarterly) reveals whether you're building wealth, treading water, or losing ground.
How it works
Step 1
List all assets: cash, investments, home equity (use home value, not just equity), cars, crypto, business interests.
Step 2
List all liabilities: mortgage, student loans, credit card, auto, personal, business debt.
Step 3
Subtract: net worth = assets - liabilities.
Step 4
Compare to age-based benchmark. Track quarterly to see direction.
Frequently asked questions
What's a good net worth for my age?
Rough US medians: under 35 = $39K, 35-44 = $135K, 45-54 = $247K, 55-64 = $364K, 65+ = $410K. Top quartile is roughly 2-3x these. Above-median wealth-builders aim for 10x annual income by 60.
Should I include home value or just equity?
Use full market value for assets and full mortgage balance for liabilities - they net out to home equity. This shows total exposure (e.g., what happens if you sell).
Does net worth include 401(k)?
Yes - retirement accounts are assets. Some people deduct estimated future tax (subtract 25% of pre-tax 401k for after-tax view); both views are valid.
Why is net worth more useful than income?
Income shows cashflow; net worth shows accumulated position. Two people earning the same can have wildly different net worths depending on lifestyle and savings rate.
Why is my homebrew flat?
Most common reason: not enough priming sugar at bottling. Standard is 4-5 oz dextrose for 5 gallons (5 vols CO2). Cold conditioning for 2 weeks helps carbonation absorb. If still flat after 3 weeks at room temp, the yeast didn't survive the bottling - re-pitch fresh yeast.
How accurate is the ABV reading from a hydrometer?
Within ±0.2% if both OG and FG are taken at the calibration temperature (usually 60°F / 15°C). Temperature corrections matter: a hydrometer reads ~0.001 too low for every 10°F above calibration. Use a refractometer for OG only (it's inaccurate post-fermentation due to alcohol).
What's the ideal fermentation temperature?
Ale yeasts: 65-72°F (18-22°C). Lager yeasts: 48-55°F (9-13°C). Higher temperatures speed fermentation but produce more fusel alcohols and esters - usually bad except for Belgian styles. Use a temperature controller for consistent results.
How long should beer condition?
Most ales: 2-4 weeks in the bottle/keg. Lagers: 4-8 weeks at 32-40°F. Big stouts and barleywines: 6-12 months improves them significantly. IPAs are the exception - drink them young, hop aroma drops fast.
Can I dry hop in primary?
Yes, but the active yeast scrubs hop oils. Better: transfer to a secondary or wait until primary fermentation is mostly done (gravity stable for 2-3 days). Dry hop 3-7 days at fermentation temperature.
How accurate is the Net Worth Calculator?
It applies the standard formula. Accuracy is limited only by your input precision. For decisions with material consequences (taxes, medical, legal, structural), use the result as a starting point and verify with a qualified professional in the relevant field.
Is the Net Worth Calculator free to use?
Yes. 100% free, no signup, no payment, no API key. The site is funded by display ads around the tool but not inside the calculation flow.
Are my inputs saved anywhere?
No. All inputs stay in your browser tab. Closing the tab discards them. The site uses Google Analytics for traffic measurement (anonymized) but the analytics never see what you type into the form.
Can I use the Net Worth Calculator on my phone?
Yes. The tool is responsive and tested on iOS Safari, Android Chrome, and major desktop browsers. Touch targets meet Apple's 44pt and Google's 48dp minimum.
Does the Net Worth Calculator work offline?
Yes. Once the page has loaded, it works without internet. The calculation runs in JavaScript on your device.
How do I report a bug or suggest improvement to the Net Worth Calculator?
Email hi@3tej.com with the URL of this page and a description of what you saw vs expected. We typically respond within 72 hours.
Can I share results from the Net Worth Calculator?
Take a screenshot or copy the output. The page doesn't generate shareable URLs for specific calculations - inputs stay in your browser only.
Why are the results different from another net worth tool?
Most likely: different formula assumptions, different default values, different rounding rules, or different applicable rates. Check the methodology if both tools document it. Both can be valid for different scenarios.
ABV, IBU, and SRM - what each measures
| Number | Stands for | What it measures | Typical range |
|---|---|---|---|
| OG | Original Gravity | Sugar before fermentation (density vs water) | 1.030 - 1.120 |
| FG | Final Gravity | Residual sugar after fermentation | 1.000 - 1.030 |
| ABV | Alcohol by volume | Alcohol % of finished beer | 3% - 12%+ |
| IBU | International Bitterness Units | Iso-alpha acids from hops in mg/L | 0 - 120 |
| SRM | Standard Reference Method | Color, light straw to opaque black | 1 - 40+ |
ABV formulas
The simple formula used by most calculators:
ABV = (OG - FG) x 131.25
More accurate for high-gravity beers (Daniels formula):
ABV = (76.08 x (OG-FG) / (1.775-OG)) x (FG / 0.794)
Above ~6% ABV the simple formula starts to underestimate by ~0.3-0.8%. Use the second formula for big stouts and barleywines.
IBU formulas
Bitterness from hops depends on alpha-acid content, boil time, and wort gravity. Two common formulas:
- Tinseth (most common): accounts for wort gravity reducing isomerization. Default in BeerSmith, Brewfather.
- Rager: older, doesn't penalize high-gravity worts as much.
Rule of thumb: an ounce of 6% alpha hops boiled 60 minutes in 5 gallons of 1.050 wort produces about 22 IBU (Tinseth).
SRM color reference
| SRM | Color | Example styles |
|---|---|---|
| 1-2 | Pale straw | Light American lager |
| 3-4 | Light yellow | Pilsner, witbier |
| 6-8 | Pale gold | Helles, blonde ale |
| 10-12 | Golden | American pale ale, English bitter |
| 14-17 | Light copper | American amber, ESB |
| 19-22 | Deep copper | American brown, Marzen |
| 25-30 | Brown | English brown, doppelbock |
| 35-40+ | Dark brown to black | Porter, stout, imperial stout |
Mash efficiency
Efficiency = sugar extracted / theoretical maximum. Most home brewers run at 65-75%; pro breweries hit 80-85%. Improving efficiency:
- Crush grain finer (but not flour - stuck mashes)
- Mash at 152-155°F (67-68°C) for balanced fermentability
- Stir mash every 15 min
- Use longer mash (75-90 min vs standard 60)
- Use larger volumes of sparge water (fly sparge vs batch)
- Higher mash pH (5.2-5.4) extracts better than 4.8 or 5.6
Real-world scenarios where the Net Worth Calculator helps
Day-to-day decisions
Quick estimates without opening a spreadsheet. The Net Worth Calculator runs the math instantly so you can compare options, sanity-check assumptions, and move on.
Planning ahead
Build a forward-looking model. Change one variable at a time to see how sensitive the net worth output is to each input. The variable that moves the result most is where you should focus your real-world attention.
Cross-checking advisors
Compare what a professional or quoted source tells you against an independent calculation. Discrepancies are conversations worth having before signing.
Documentation
Capture inputs and outputs at a point in time. Screenshot the result with the date for audit trails, joint decisions, or future reference.
Learning intuition
By varying inputs, you build a sense of how net worth actually behaves. The numerical pattern teaches faster than reading prose.
Sensitivity analysis
Identify which input drives the result. The most-impactful variable is where small improvements pay off most.
Comparing alternatives
Run the same net worth calculation across multiple options and rank them by the dimension you care about (cost, return, speed, risk).
Pre-meeting preparation
Walk into a negotiation, sales call, or strategic discussion with the net worth numbers already in your head. Beats winging it from memory.
What the Net Worth Calculator does and does not handle
What it does
- Applies the standard formula widely accepted in net worth-related calculations.
- Updates instantly as you adjust inputs - useful for sensitivity analysis and what-if scenarios.
- Runs entirely in your browser using JavaScript. Your inputs never reach a server.
- Handles common edge cases (zero values, very large numbers, negative inputs where applicable) with sensible defaults or validation messages.
- Works offline once the page is cached. No internet needed for repeat calculations.
- Free, unlimited use. No signup, no rate limits, no paywall.
What it does not handle (and where to go)
- Personal financial advice - the calculation gives you a number, not a recommendation. Speak to a qualified advisor for decisions with significant financial consequences.
- Country-specific rules where local variation is high - the tool uses the most common methodology; some jurisdictions have variations.
- Real-time market data when applicable - most calculations use static reference values. Live market prices are out of scope.
- Auto-filling from external accounts - all inputs are manual. Browser autofill works for repeated entries.
- Saving results across devices - all state lives in this browser session.
Common mistakes and pitfalls
- Using rough estimates as inputs. Garbage in, garbage out. The Net Worth Calculator is only as accurate as what you type. Look up exact numbers from your statement, contract, or source document.
- Confusing units. Most fields are labeled (currency, percent, kg, etc.) but read the label before typing. A monthly figure entered into an annual field will be off by 12x.
- Ignoring the assumptions baked into the formula. Every calculator has assumptions (e.g., uniform growth rate, no fees, no taxes). Read the methodology section to understand what's included and what's not.
- Comparing without holding other variables constant. When testing options, change only ONE input at a time. Changing multiple inputs makes it impossible to tell which one drove the result.
- Treating the result as final. The output is a model. The real world adds fees, taxes, timing differences, and exceptions. Use the result as a starting point, not a final answer.
- Misreading rounded display. Most fields display 2 decimal places but compute at full precision. Two inputs that look identical may produce slightly different outputs.
Best practices for accurate results
- Pull exact values from authoritative sources (bank statement, payslip, official rate table, contract) rather than ballparking from memory.
- Match units carefully. Watch for monthly vs annual, gross vs net, percent vs basis points, USD vs INR.
- Run the calculation multiple times with slightly different inputs to see how sensitive the result is.
- Screenshot or note the inputs alongside the output for future reference - results change if rules or rates change.
- Cross-check against a professional source (advisor, accountant, official tool) for any decision with material impact.
- Update annually. Tax rates, contribution limits, and benefit thresholds change yearly. Rerun key calculations every January.