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Add up everything you own and take away everything you owe to find your true net worth, then see how much it needs to grow each year just to stay ahead of inflation.
Default inflation rate for Other: 3.0% per year, based on long-run global CPI averages data (2026). You can override it in each calculator’s advanced options. See data sources for full citations.
Net worth is the simplest and most honest measure of financial health:
To hold its buying power, your net worth has to grow by at least the inflation rate each year.
With $302,000 in assets (cash, investments, a $250,000 home, retirement, and a car) and $197,000 in liabilities (mortgage, loans, and credit-card debt), net worth is $105,000 and the debt-to-asset ratio is about 65%. At 2.5% inflation, that net worth has to grow about $2,600 a year just to hold its buying power.
Plan for Financial Independence Retire Early (FIRE) and find the retirement savings number you really need after inflation.
Work out the total savings you need to keep up your lifestyle right through retirement.
See how your savings grow with compound interest. Pick daily, monthly, quarterly, or annual compounding, add regular deposits, and see what it's worth today after inflation.
Your Net Worth
$105K
Assets $302K − Liabilities $197K
Debt-to-Asset Ratio
65%
High, pay it down
Equity Share
35%
of assets are truly yours
A net worth that sits still quietly shrinks. Just to keep the buying power of $105K, it needs to grow about $3,150 this year to keep up with 3% inflation. Anything less and you're getting poorer in real terms, even though the number on paper stays the same.