Part of the Finance collection — 4 tools available
Net Worth Calculator
Calculate your net worth by subtracting total liabilities from total assets. Track your financial health and progress toward your wealth goals.
About This Calculator
Net worth is the single best measure of your overall financial health — it's simply what you own minus what you owe. Tracking net worth over time shows whether you're building wealth or treading water, regardless of your income level. Someone earning $100,000 with $80,000 in debt is worse off than someone earning $50,000 with zero debt and $30,000 in savings. Yet most people never calculate this number because adding up assets and liabilities across multiple accounts is tedious. Our net worth calculator helps you take stock in one clear snapshot.
The Formula Behind This Calculator
Net worth = Assets - Liabilities Track quarterly for progress Assets - Debts = Financial health.
Understanding the math helps you verify results and make better decisions for your project.
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How to Use
- 1Enter the total of all cash, savings, and checking accounts.
- 2Add investment values including retirement accounts, stocks, and bonds.
- 3Include property and real estate at current market value.
When to Use
- →Taking an annual financial health checkup.
- →Tracking progress toward financial independence.
- →Preparing for a mortgage application or financial planning session.
Tips
- ✓Calculate net worth every 6-12 months to track progress — the trend matters more than any single number.
- ✓A negative net worth is common for young adults with student loans — focus on growing assets and reducing debt.
- ✓The median US household net worth is about $192,000 — but this varies enormously by age and location.
FAQ
What is a good net worth for my age?
By age 30: aim for 1x annual salary. By 40: 3x. By 50: 6x. By 60: 8x. These are guidelines — actual targets depend on your cost of living and retirement plans.
Should I include my car as an asset?
Cars are depreciating assets. You can include the current Kelly Blue Book value, but remember it drops every year. Include any auto loan balance in liabilities regardless.
What is a healthy debt-to-asset ratio?
Below 30% is healthy. 30-50% needs attention. Above 50% is concerning and suggests too much leverage. Aim to steadily reduce this ratio over time.
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