Net Worth Calculator
Calculate your net worth by totaling assets minus liabilities.
Results update as you type.
This calculator is for illustrative purposes only. Actual rates, fees and terms vary by lender. Consult a qualified financial adviser before making borrowing decisions.
How it works
Net worth is the single most comprehensive snapshot of your financial position — the amount left over if you converted all your assets to cash and paid off every debt in full on the same day. It is computed by summing the market value of everything you own (assets) and subtracting everything you owe (liabilities). Assets include liquid holdings like cash and investments, long-term assets like retirement accounts and home equity, and depreciating assets like vehicles. Liabilities include mortgage balances, auto and student loan balances, credit card debt, and any other obligations. The result can be positive (you own more than you owe) or negative (you owe more than you own), which is common among recent college graduates or new homeowners with large mortgages and limited equity. Tracking net worth over time is more meaningful than any single calculation, because the trend — rising, falling, or stagnant — reveals whether your financial decisions are building wealth or eroding it. Most financial advisors recommend using a net worth calculator at least annually, ideally on the same date each year for consistent comparison. The debt-to-asset ratio this net worth calculator provides is a supplementary measure: below 50% is generally healthy, above 80% suggests high leverage that could be vulnerable to asset price declines or income disruptions.
Net Worth = Total Assets − Total Liabilities
Total assets are the sum of all owned values: liquid (cash, investments, retirement), illiquid (home, vehicles, collectibles), and any others. Total liabilities are the sum of all outstanding debt balances. Net worth is the arithmetic difference: assets minus liabilities. The debt-to-asset ratio is total liabilities divided by total assets, expressed as a percentage — it shows what fraction of your gross asset value is offset by debt.
Source:Standard net worth (assets − liabilities)
We review all our tools from time to time to ensure accuracy.
Worked example
How to use this calculator
- 1
Enter your values
Enter your values in the fields above.
- 2
Adjust the options
Adjust cash & savings, investments & brokerage, retirement accounts (401k/ira), home value, vehicles, other assets, mortgage balance, auto loan balances, student loan balances, credit card balances and other debts if they apply — sensible defaults are already set.
- 3
Read your result
Net worth updates instantly as you type — no button to press.
Frequently asked questions
What is a good net worth by age?
A commonly cited benchmark is having net worth equal to your annual salary by age 30, three times by 40, six times by 50, and eight times by 60 (the Fidelity rule). The Federal Reserve Survey of Consumer Finances puts the median US net worth at about $193,000 overall, with wide variation by age: roughly $39,000 for under-35, $135,000 for 35–44, $248,000 for 45–54, and $410,000 for 55–64. These are medians — half of households in each group fall below. Geographic location, career, and life circumstances vary enormously.
Should I include home equity in net worth?
Yes — home equity (market value minus outstanding mortgage) is a legitimate asset and is included in most standard net worth calculations. However, it is an illiquid asset; you cannot spend it without selling the home or borrowing against it through a HELOC or reverse mortgage. Some financial planners distinguish liquid net worth (assets you can access without selling your home) from total net worth for this reason. Both figures are useful: total net worth shows your complete balance sheet, while liquid net worth shows financial flexibility.
What counts as an asset vs a liability?
An asset is anything you own that has positive monetary value: cash, bank accounts, brokerage and retirement accounts, real estate, vehicles, business interests, collectibles, and valuables. A liability is a financial obligation you owe to another party: mortgage balance, auto loan, student loans, credit card balances, personal loans, and any other debt. Your clothes, furniture, and everyday possessions technically have value but are impractical to list and typically excluded unless they are high-value items like art or jewelry.
How often should I calculate my net worth?
Most financial advisors suggest calculating net worth at least once a year, ideally on the same date each year for consistent year-over-year comparison. Quarterly tracking can be motivating during active wealth-building phases. Tracking too frequently — weekly or monthly — can cause anxiety during normal market fluctuations that move investment values significantly without representing any real change in your financial behavior. The annual calculation is the standard benchmark for measuring long-term financial progress.
Is a negative net worth common?
Very common, especially among younger adults. Most people begin their careers with student loan debt and little savings, making negative net worth the norm before age 30. Buying a home with a small down payment also temporarily depresses net worth as mortgage liability often exceeds home equity in early years. The important metric is the trajectory — a negative net worth that is shrinking each year is financial progress. Negative net worth becomes concerning only if it is growing or caused by high-rate consumer debt rather than investment in education or appreciating assets.