Net Worth Calculator — Calculate Your Real Net Worth

Add up your assets and liabilities to see your true net worth. Compare to peers your age and explore what-if scenarios.

Your Financial Snapshot

Assets (What You Own)

Liabilities (What You Owe)

How to Calculate Your Net Worth

List everything you own (assets) and everything you owe (liabilities). Your net worth is simply: total assets minus total liabilities. Include bank accounts, retirement accounts, home equity, and vehicles on the asset side. Include mortgages, car loans, student loans, and credit card balances on the liability side.

Why Net Worth Matters More Than Income

Income shows what you earn; net worth shows what you keep. Someone earning $150K with $200K in debt has a lower net worth than someone earning $60K with $100K saved. Track your net worth quarterly to measure real financial progress. Use our Financial Health Score for a broader picture of your financial wellness.

Frequently Asked Questions

Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It's the single best measure of your overall financial position. A positive net worth means you own more than you owe.
Based on Federal Reserve data: By age 30, the median net worth is ~$12,000 (75th percentile: $65,000). By 40, median is ~$91,000 (75th: $350,000). By 50, median is ~$168,000 (75th: $700,000). Being above the median for your age group is a solid benchmark.
Yes, your home's estimated market value is included as an asset, and your remaining mortgage balance is a liability. The difference (your home equity) contributes to your net worth. Use a conservative estimate of your home's value.
Two paths: increase assets (save and invest more) or decrease liabilities (pay off debt). The most impactful strategies are maximizing retirement contributions, paying off high-interest debt, and building an emergency fund to avoid new debt.
The average US net worth is about $1,063,700 (heavily skewed by wealthy households). The median is a more useful figure at about $192,900. The median varies dramatically by age, education, race, and homeownership status.
Yes, include vehicles at their current fair market value (use Kelley Blue Book or similar). Cars depreciate, so use a realistic current value rather than what you paid. Also include any remaining car loan as a liability.

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