Net Worth Calculator
Calculate your net worth by adding up your assets and subtracting your liabilities. See your total financial picture at a glance.
Last updated: 2026-03-07
Net worth calculator
Enter your assets & liabilities
List what you own (assets) and what you owe (liabilities).
Net Worth
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Enter your assets and liabilities to calculate net worth.
Calculation History (0)
Example calculations
Tap an example to prefill the calculator with sample values.
Young Professional
Starting to build wealth, age 28
A young professional with a modest salary, some savings, and student loan debt.
Result: Net worth: -$7,000
Mid-Career Homeowner
Established family, age 40
A homeowner with growing investments, mortgage, and family expenses.
Result: Net worth: $394,000
Pre-Retirement
Nearing retirement, age 58
A couple approaching retirement with substantial savings and a paid-down mortgage.
Result: Net worth: $1,473,000
How net worth is calculated
Your net worth is the difference between what you own (assets) and what you owe (liabilities). It's the single best snapshot of your overall financial health.
Formula: Net Worth = Total Assets − Total Liabilities
Common assets include:
- Cash, checking, and savings accounts
- Investment accounts (brokerage, stocks, bonds, crypto)
- Retirement accounts (401k, IRA, Roth IRA)
- Real estate (home value, rental properties)
- Vehicles, personal property, and other valuables
Common liabilities include:
- Mortgage balance
- Student loans, auto loans, personal loans
- Credit card balances
- Any other outstanding debts
A positive net worth means your assets exceed your debts. The median US household net worth is approximately $192,000 (2022 Federal Reserve data), though this varies greatly by age.
Net worth calculator FAQs
Answers to common net worth questions.
What is a good net worth for my age?
A common benchmark is having a net worth equal to your annual salary by age 30, 3x by 40, 6x by 50, and 8x by 60. However, these are rough guidelines — factors like location, career stage, and cost of living matter. The median net worth for Americans under 35 is about $39,000; 35-44 is $135,000; 45-54 is $247,000.
Should I include my home in net worth?
Yes. Your home is an asset, and your mortgage is a liability. Include the current market value of your home as an asset and the remaining mortgage balance as a liability. This gives you a complete picture of your financial position.
How often should I calculate net worth?
Quarterly is a good cadence for most people — frequent enough to track trends but not so often that normal market fluctuations cause anxiety. Some people prefer monthly tracking, especially during active debt payoff or savings campaigns.
What about retirement accounts I can't access yet?
Include retirement accounts at their current value. While you can't access them penalty-free before 59½, they're still your assets and represent your future financial security. The goal of net worth tracking is the total picture.
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Disclaimer
Net worth calculations are based on the values you provide. Asset values like real estate are estimates and may differ from appraised or market values. This is for personal financial planning only, not tax or legal advice.
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