Net Worth Calculator
See exactly where you stand financially — assets minus liabilities.
What Does This Mean?
You're net positive — a great start. Continue building assets and reducing liabilities steadily.
Net worth is a snapshot, not a judgment. Track it every 6 months to see your progress.
Net Worth Calculator — Frequently Asked Questions
What is net worth and why does it matter?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It's the single most accurate snapshot of your financial health — more meaningful than income, because a high income with even higher spending can leave you with a negative net worth. Tracking net worth over time tells you whether you're genuinely building wealth or just maintaining a lifestyle. A rising net worth, even slowly, means you're moving in the right direction.
What is a good net worth by age?
According to Fidelity's guidelines: by 30, aim for 1x your annual salary saved; by 40, 3x; by 50, 6x; by 60, 8x; by 67, 10x. The Federal Reserve's Survey of Consumer Finances shows the median US net worth is $192,700 (2022). However, medians vary enormously by age group — under 35: ~$39,000; 35–44: ~$135,600; 45–54: ~$247,200; 55–64: ~$364,500; 65–74: ~$409,900. Don't compare yourself to averages — compare yourself to your past self.
Should I include my home's value in my net worth?
Yes — your home equity (current market value minus outstanding mortgage) is a legitimate asset. However, treat it separately from your liquid net worth (investments, savings, retirement accounts) when planning retirement income, since you can't easily spend your home equity without selling or reverse-mortgaging. A useful exercise: calculate both your total net worth (including home equity) and your liquid net worth to understand how much of your wealth is accessible.
What assets do people commonly forget to include?
Frequently overlooked assets include: vested employer stock options or RSUs, the cash value of whole-life insurance policies, tax refunds owed, security deposits on rentals, valuable personal property (jewelry, art, collectibles), pending legal settlements, and the present value of a defined-benefit pension. On the liability side, people often forget: tax liability on pre-tax retirement accounts (you'll owe income tax when you withdraw), outstanding medical bills, and co-signed loans.
What is a healthy debt-to-asset ratio?
Your debt-to-asset ratio is total liabilities divided by total assets. Below 50% is healthy — it means more than half your assets are debt-free equity. Below 30% is excellent. Above 80% is a warning sign of over-leverage. A mortgage at 20% down gives you an 80% debt-to-asset ratio on your home initially, which is why building equity through extra payments or appreciation matters. High-interest consumer debt (credit cards, personal loans) is far more damaging than low-rate mortgage debt at the same ratio.
How often should I calculate my net worth?
Quarterly is the sweet spot for most people — frequent enough to catch trends early, not so frequent that normal market fluctuations cause anxiety. Many personal finance experts track monthly. At minimum, do a full calculation on January 1st each year so you can compare year-over-year. A simple spreadsheet or app works fine; the specific tool matters less than the consistency of tracking.