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Net Worth Calculator - Calculate Your Total Wealth

Free net worth calculator. Add up your assets (cash, investments, property) and subtract liabilities (debts) to find your true net worth.

Net Worth Calculator

Calculate your total wealth: Assets minus Liabilities

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Checking, savings, money market accounts.

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Stocks, bonds, mutual funds, brokerage accounts.

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401(k), IRA, Roth IRA, pension value.

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Current market value of property you own.

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Current value of cars, boats, etc.

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Jewelry, collectibles, business equity, etc.

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Remaining balance on home loan(s).

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Remaining auto loan balances.

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Remaining student loan balance.

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Total credit card balances.

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Personal loans, medical debt, etc.

Your Net Worth

Enter your values to see results

and click the "Calculate" button

What is Net Worth?

Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It's a snapshot of your financial health. Positive net worth means you own more than you owe. This calculator helps you track your wealth by adding up savings, investments, property, and subtracting mortgages, loans, and credit card debt.

How to Use This Calculator

  1. Enter your liquid assets (cash, savings)
  2. Add investments and retirement accounts
  3. Include real estate and vehicles at current value
  4. Enter all debt balances (mortgage, loans, cards)
  5. Click Calculate to see your net worth

Net Worth Formula

Net Worth = Total Assets - Total Liabilities

Assets include cash, investments, property, and valuables. Liabilities include all debts. A positive number means you're building wealth.

Frequently Asked Questions

What is a good net worth?
Net worth varies by age. Rule of thumb: By 30, aim for 1x salary. By 40, 3x salary. By 50, 6x salary. By 60, 8x salary. By 65, 10x salary saved for retirement.
What is the average net worth by age?
US medians (2023): Under 35: $39,000. 35-44: $135,000. 45-54: $247,000. 55-64: $364,000. 65-74: $410,000. 75+: $335,000. Averages are higher due to wealthy outliers.
Is negative net worth bad?
It's common early in life (student loans, mortgage). Negative net worth is concerning if: it's getting worse, or you have high-interest debt (credit cards). Focus on paying down debt and building assets.
Should I include my home in net worth?
Yes, include home value minus mortgage balance (equity). Some prefer 'liquid net worth' excluding home, as you can't easily access that equity. Track both for a complete picture.
Should I include retirement accounts?
Yes! Retirement accounts (401k, IRA) are real assets. Note that early withdrawal incurs penalties, and you'll owe taxes on traditional accounts. Some calculate 'accessible net worth' separately.
How often should I calculate net worth?
Monthly or quarterly is ideal. Track it in a spreadsheet to see trends. Watching net worth grow over time is motivating and helps you catch problems early.
What is debt-to-asset ratio?
Liabilities divided by assets, shown as percentage. Under 50% is good. Under 30% is great. Over 80% means most of what you 'own' is financed by debt. Lower is better.
How can I increase my net worth?
1) Pay off high-interest debt. 2) Increase income (raises, side hustles). 3) Reduce expenses and save more. 4) Invest consistently. 5) Avoid lifestyle inflation. Time and compound growth do the rest.

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