Personal Finance
Net Worth Calculator
Forget income, net worth is the real scoreboard. Add what you own, subtract what you owe.
Net worth is everything you own minus everything you owe: assets (cash, investments, property) minus liabilities (mortgage, loans, credit cards). It's the single best snapshot of financial health. Figures are estimates before taxes and fees — verify details with a licensed advisor where needed.
Net worth = assets − liabilities.
Track it quarterly.
Aim to grow it every year.
Calculate Your Net Worth
Your Net Worth
What Is Net Worth?
Net worth is the truest single measure of financial position: everything you own minus everything you owe. Income shows cash flow; net worth shows accumulated result.
Track it quarterly. The direction of the trend matters more than the absolute number, most people start negative and build.
How It Is Calculated
Net worth = Σ assets − Σ liabilities
Example: Example: $335k assets − $195k debts → net worth $140,000
Typical net worth by age (US medians, Federal Reserve)
| Age | Median net worth |
|---|---|
| Under 35 | ~$39k |
| 35–44 | ~$136k |
| 45–54 | ~$247k |
| 55–64 | ~$365k |
| 65+ | ~$410k |
Limitations
- Home equity estimates fluctuate with markets.
- Retirement accounts are pre-tax, a dollar there's worth less than a dollar in cash.
- Comparisons should be same-country and inflation-adjusted.
Sources & Review
References used for this calculator’s formulas and thresholds:
Net Worth FAQ
What is a good net worth by age?
A common heuristic: income × age ÷ 10. At 40 earning $80k, that suggests ~$320k, but medians are far lower, so trend beats target.
Is negative net worth bad?
Common for young graduates and new homeowners. What matters is shrinking the negative, paying down high-interest debt first.
Should I count my car?
Yes, at realistic resale value, it's an asset with a matching (or larger) liability usually.
How often should I check net worth?
Quarterly. Frequent checking breeds noise; annual is too slow to catch drift.
Important disclaimer: Results are educational estimates, not a substitute for professional advice. Review your numbers with a qualified advisor before acting on them.