Your bank balance is a snapshot of a moment. Net worth is the actual score: everything you own minus everything you owe. Add it all up — yes, including the TCG collection and the rig — and see where you really stand.
Assets — What You Own
Liabilities — What You Owe
Your Score
Fill in what you own and owe, then click Calculate.
Net worth is the single clearest measure of your financial position: add up everything you own (your assets) and subtract everything you owe (your liabilities). A positive number means your stuff outweighs your debts; a negative one means the reverse. It isn't your income and it isn't your bank balance — it's the scoreboard that ties the whole picture together, and the number that should slowly climb over your lifetime.
In Rich Dad Poor Dad, Robert Kiyosaki draws a sharp line: assets put money in your pocket, liabilities take money out. This calculator keeps the standard net-worth definition — what you own minus what you owe — but the distinction is worth remembering. A paid-off collection you could sell is an asset; a financed purchase you're still paying interest on behaves more like a liability until it's cleared. Knowing which is which changes what you buy next.
For gamers and collectors, a real slice of net worth lives outside the bank: graded cards, sealed product, figures, and the gaming rig itself. We include a line for it because ignoring it understates what you own — but value it honestly at what you could actually sell it for today, not peak hype prices. Collectibles are also illiquid: real, but slow to turn into cash when you need it.
Two people with identical net worth can be in very different situations. Someone whose wealth is mostly cash and index funds can act fast; someone whose wealth is locked in property and collections can't. That's why this tool separates liquid assets (cash and investments) from the rest. A healthy picture isn't just a big net-worth number — it's one with enough liquid cushion to handle an emergency without a fire sale.
Net worth is a snapshot, and snapshots go stale. The number only means something when you update it and watch the trend. Hunter Vault is our own app for keeping the full picture current — balances, debts, and savings Vaults all in one place, offline and private — so your net worth stops being a once-a-year guess and becomes a line that visibly climbs. We recommend it as its makers, not as a neutral third party.
Hunter Vault keeps your balances, debts, and savings Vaults in one place so your net worth stops being a yearly guess — all offline and private.
Download Hunter Vault FreeThis calculator is for illustration only and relies on the values you enter — collectibles and property are only as accurate as your estimate of what they'd actually sell for. It is not financial advice.