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.
$
$
$
$
$
$
$
$
$
$
Net Worth
—
Total Assets —
Total Liabilities —
Debt-to-Asset Ratio —
Extended More scenarios, charts & detailed breakdown ▾
$
$
$
$
$
Net Worth
—
Total Assets —
Total Liabilities —
Professional Full parameters & maximum detail ▾
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
$
Assets
Liquid Assets —
Investment Assets —
Real Estate Assets —
Other Tangible Assets —
Total Assets —
Liabilities
Secured Debt —
Unsecured Debt —
Total Liabilities —
Net Worth Summary
Net Worth —
Investable Net Worth (ex-home) —
Debt-to-Asset Ratio —
Liquidity Ratio (months expenses) —
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.
Related Calculators
Sources & References (5) ▾
- Federal Reserve — Distribution of Household Wealth in the U.S. — Federal Reserve
- CFPB — Building Wealth Over Time — Consumer Financial Protection Bureau
- SEC — Assessing Your Finances — U.S. Securities and Exchange Commission
- FDIC — Financial Literacy Resources — Federal Deposit Insurance Corporation
- Bureau of Economic Analysis — Household Net Worth Data — Bureau of Economic Analysis