Net Worth Calculator
Calculate your net worth by adding up all assets and subtracting all liabilities. Track your financial progress with this simple personal balance sheet.
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Net Worth
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Total Assets —
Total Liabilities —
Debt-to-Asset Ratio —
How to Use This Calculator
- Enter all your Assets — cash, investments, real estate value, vehicle value.
- Enter all your Liabilities — mortgage balance, car loans, credit card debt, student loans.
- Your Net Worth = Total Assets − Total Liabilities.
- Review the Debt-to-Asset Ratio — below 50% is generally healthy.
Formula
Net Worth = Total Assets − Total Liabilities
Total Assets = Cash + Investments + Real Estate + Vehicles + Other
Total Liabilities = Mortgage + Car Loans + Credit Cards + Student Loans + Other
Debt-to-Asset Ratio = Total Liabilities ÷ Total Assets × 100
Example
Example: Assets: $470,000 (home $350k, investments $80k, cash $15k, car $20k, other $5k). Liabilities: $315,000 (mortgage $280k, car loan $12k, credit card $3k, student loans $20k).
- Total Assets: $470,000
- Total Liabilities: $315,000
- Net Worth: $155,000
- Debt-to-Asset Ratio: 67%
Frequently Asked Questions
- Net worth = Total Assets − Total Liabilities. It is the most important measure of your overall financial health. Tracking it over time shows whether you are building or losing wealth, regardless of income level.
- Median US net worth by age (2022 Federal Reserve data): Under 35: $39,000, 35–44: $135,000, 45–54: $247,000, 55–64: $365,000, 65–74: $410,000, 75+: $335,000. Mean values are much higher due to wealthy outliers.
- Yes — your home equity (market value minus mortgage balance) is typically a major asset. However, it is illiquid. Some financial planners calculate both total net worth (including home) and "investable net worth" (excluding primary residence).
- A common benchmark is having net worth equal to your annual salary by age 30, 3× by 40, 6× by 50, and 8× by 60. However, context matters — your net worth should support your specific retirement and life goals.
- Quarterly or at minimum annually is recommended. Many people track monthly. Seeing consistent growth is motivating and helps identify financial issues early. Keep records to visualize your progress over years.