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Net Worth Calculator

Track Your Total Assets vs Liabilities — Get Your Wealth Score

Assets

CategoryAmount

Liabilities

CategoryAmount

Your Wealth Snapshot

Your Net Worth
$—
Enter your assets and liabilities above
Chart: your wealth snapshot.
Chart: your wealth snapshot.

Net Worth Projections

Chart: net worth projections.
YearAssetsLiabilitiesNet WorthGrowth
Switch to the Calculator tab first

Net Worth Benchmarks by Age

Switch to the Calculator tab to see benchmarks.

Chart: net worth benchmarks by age.

Wealth Percentile Estimator

Calculate your net worth first to see your percentile.

Wealth History Tracker

Save snapshots of your net worth over time to track progress.

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How to Use This Calculator

1

Enter Your Assets

Use the quick-add chips or type custom labels. Include cash, investments, real estate, vehicles, and retirement accounts at current market value.

2

Enter Your Liabilities

List all debts: mortgage balance, car loans, student loans, credit card balances, and any other obligations. Values update instantly.

3

Review Your Wealth Score

See your net worth, Wealth Score (0–100), liquid position, and how you compare to US median benchmarks by age group.

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Frequently Asked Questions

Basics What is net worth?
Net worth is total assets minus total liabilities. It measures your accumulated financial position — the difference between everything you own and everything you owe.
Basics What is a good net worth?
It depends on age and income. Median US net worth is ~$192K overall, but benchmarks vary by age. Under 35: ~$39K; 35–44: ~$135K; 45–54: ~$247K; 55–64: ~$365K; 65–74: ~$410K (Federal Reserve, 2022).
Basics Should I include my home in net worth?
Yes, at current market value, minus the remaining mortgage balance (your equity). Your home equity is a real asset, though an illiquid one.
Basics Should I include retirement accounts?
Yes, at current balance. Though you can't touch them without penalty before 59½, they are real assets growing for your future. Include 401(k), IRA, Roth IRA, and pension present values.
Basics What is liquid net worth?
Liquid net worth excludes illiquid assets like real estate and retirement accounts, counting only cash, savings, and taxable investments minus non-mortgage debts. It shows how much you could access quickly in an emergency.
Basics How often should I calculate net worth?
Quarterly is ideal for most people — frequent enough to stay aware, but not so frequent that short-term market swings cause anxiety. Use the History Tracker to save snapshots and see your progress.
Basics Is negative net worth bad?
Negative net worth is common and expected early in life (student loans, mortgages before equity builds). It is not inherently bad — what matters is the trend. Is it improving month over month?
Basics What is the debt-to-asset ratio?
Liabilities ÷ Assets. Below 30%: excellent. 30–50%: good. Above 50%: high leverage — a priority to reduce. Above 100% means you owe more than you own.
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Formula & Methodology

Net Worth
Total Assets − Total Liabilities
Liquid Net Worth
Liquid Assets − Non-Mortgage Debts
Debt-to-Asset Ratio
Total Liabilities ÷ Total Assets × 100
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Key Terms Explained

Net Worth
The difference between everything you own (assets) and everything you owe (liabilities).
Liquid Assets
Cash or assets easily converted to cash: savings, checking, money market, stocks, ETFs.
Illiquid Assets
Assets that take time to convert to cash: real estate, retirement accounts, collectibles, business equity.
Liabilities
All debts and financial obligations: mortgage, car loans, student loans, credit card balances.
Debt-to-Asset Ratio
Liabilities ÷ Assets — measures what percentage of your assets are financed by debt.
Home Equity
Current market value of your home minus the remaining mortgage balance.
Retirement Accounts
Tax-advantaged accounts (401k, IRA, Roth IRA) — counted at current balance, not future value.
Median Net Worth
The midpoint value where half of Americans have more and half have less — a better benchmark than the average, which is skewed by the ultra-wealthy.

Real-World Examples

E1

Example 1

Estimated total
$24,800

Example 1 would use this sample setup for the Net Worth Calculator. The current example produces $24,800, and adjusting the calculator inputs above will update the estimate for a different scenario.

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Net Worth: Your Financial Scorecard and How to Grow It

Net worth is the single most comprehensive snapshot of your financial health. Unlike income (what you earn) or credit score (how reliably you pay), net worth measures actual wealth accumulation: the difference between everything you own and everything you owe. Tracking your net worth over time is one of the most motivating and informative financial habits you can develop.

Assets fall into two categories: liquid (cash, savings, investments, brokerage accounts) and illiquid (real estate, retirement accounts, business equity, collectibles). Liquid assets are your immediate financial cushion — they can be accessed quickly in an emergency. Illiquid assets represent long-term wealth but cannot be accessed instantly. A complete net worth picture includes both.

On the liabilities side, list every debt: mortgage balance, home equity line, car loans, student loans, credit card balances, personal loans, and any other obligations. The total of all liabilities subtracted from total assets gives your net worth. Negative net worth (more debt than assets) is common early in life — particularly with student loans and mortgages — and is not cause for alarm as long as you are building equity over time.

The median US net worth is approximately $192,000 according to the Federal Reserve's Survey of Consumer Finances (2022). However, medians vary dramatically by age: the median for those under 35 is about $39,000, while those 65–74 have a median of around $410,000. Comparing yourself to age-specific benchmarks is more useful than the overall median. A rough guideline: by age 40, target net worth of (age × pre-tax income) ÷ 10.

The most reliable ways to grow net worth are: spending less than you earn, maximizing tax-advantaged retirement contributions, paying down high-interest debt, investing consistently in diversified assets, and avoiding lifestyle inflation as income rises. Small consistent actions — an extra $200/month invested at 7% annual return over 30 years — compound to over $220,000 in additional wealth. Track your net worth quarterly to stay motivated and course-correct early.