Net Worth Calculator

Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). Assets include cash, investments, real estate, vehicles, and valuables. Liabilities include mortgages, student loans, car loans, credit card debt, and other obligations. A positive net worth means you own more than you owe.

Assets include: checking and savings accounts, investment portfolios (stocks, bonds, mutual funds), retirement accounts (401k, IRA), real estate (market value), vehicles (current value), business equity, cryptocurrency, valuable personal property (jewelry, art, collectibles), and cash value of life insurance policies.

Liabilities include: mortgage balance, student loan balance, auto loan balance, credit card balances, personal loans, medical debt, business loans, home equity lines of credit, tax obligations owed, and any other money you owe. Use current outstanding balances, not original loan amounts.

A common benchmark: your net worth should be roughly your annual salary multiplied by your age divided by 10. So at age 30 earning $60,000, target $180,000. The median net worth for US households under 35 is about $39,000; ages 35-44 is about $135,000. These vary widely by location and circumstances.

Calculate quarterly or at minimum annually. Regular tracking reveals trends: is your net worth growing, flat, or declining? A growing net worth means you are building wealth. If it is declining, you are spending more than you earn or taking on too much debt. Many financial advisors suggest monthly tracking for active financial management.