Net Worth Calculator
Calculate your total net worth
Calculator
Assets
Liabilities
How to Use
Calculate your total net worth
List all assets
Enter cash, investments, property, vehicles
List all liabilities
Enter mortgages, loans, credit card balances
Calculate totals
Sum up assets and liabilities separately
View net worth
See your net worth and asset breakdown
Net Worth Formula
Net Worth = Total Assets - Total Liabilities
Assets are what you own (cash, investments, property). Liabilities are what you owe (loans, mortgages, debt).
Frequently Asked Questions
Net Worth = Total Assets - Total Liabilities. Assets include cash, investments, property, vehicles, valuables. Liabilities include mortgages, car loans, student loans, credit card debt. A positive net worth means assets exceed debts.
A common formula: Net Worth = (Age × Annual Income) / 10. At 30 earning $60,000, target $180,000. Average US net worth by age: 30s = $76K, 40s = $188K, 50s = $321K, 60s = $403K. These are medians; top performers have much more.
Yes, include home equity (home value minus mortgage) in net worth calculations. However, also calculate liquid net worth excluding home and retirement accounts to understand accessible wealth. Both metrics are useful.
Track monthly or quarterly to see trends. Annual reviews are minimum. Use the same methodology each time for accurate comparison. Net worth growth is more important than the absolute number - aim for consistent increase.