Net Worth Calculator
Calculate your net worth by totaling your assets and subtracting your liabilities.
What Is Net Worth?
Your net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It is the single clearest measure of your financial health. Tracking your net worth over time shows whether you are making progress toward your financial goals, regardless of income fluctuations or spending patterns.
How to Use This Calculator
Total Your Assets
Add up: cash and savings, investment accounts, retirement accounts, home equity, car value, and any other valuable property.
Total Your Liabilities
Add up: mortgage balance, car loans, student loans, credit card balances, personal loans, medical debt, and any other money you owe.
Review Your Net Worth
The difference is your net worth. A positive number means you own more than you owe. Track this quarterly to measure progress.
Key Concepts
Net Worth by Age
The Federal Reserve Survey of Consumer Finances shows median net worth of: under 35: $39,000; 35-44: $135,600; 45-54: $247,200; 55-64: $364,500; 65-74: $409,900.
Home Equity
For most Americans, home equity is the largest asset. Use your home value (Zillow/Redfin estimate) minus remaining mortgage balance.
Liquid vs Illiquid
Cash and stocks are liquid (easily converted to cash). Home equity and retirement accounts are illiquid. A healthy balance of both provides stability and flexibility.
Millionaire Next Door
The expected net worth formula from the book: (Age x Pre-tax Income) / 10. A 40-year-old earning $100,000 should have at least $400,000. This is a rough benchmark.
Expert Insights
Negative net worth is common in your 20s and early 30s (student loans, new mortgage). The goal is to turn the trajectory upward, not necessarily to be positive immediately.
Do not include depreciating consumer goods (furniture, electronics, clothing) as assets. Focus on savings, investments, and real property.
Track your net worth quarterly using a spreadsheet or app. The trend over time is far more important than any single snapshot.
Frequently Asked Questions
This calculator provides estimates for educational purposes only. Actual results depend on your specific financial situation, lender terms, and market conditions. Consult a qualified financial advisor before making major financial decisions.
Run These Numbers Too
Budget Calculator (50/30/20)
Apply the popular 50/30/20 budgeting rule to your income and see exactly how to allocate every dollar.
Savings Goal Calculator
Calculate how much you need to save each month to reach your financial goal on time.
Retirement Calculator
Estimate how much you need to save for a comfortable retirement and whether you are on track.
Build Your Net Worth Faster
Compare investment and savings options that will actually grow your assets.
Compare Investment OptionsEconomic Snapshot
Source: Federal Reserve Economic Data (FRED). Indicators refresh daily.
Financial News & Regulation
Apr 11, 2026Holding Government Contractors Accountable for Wrongdoing
Jan 21, 2025Argus Information and Advisory Services, a subsidiary of TransUnion, has agreed in writing that it will not seek any government contract with the Consumer Financial Protection Bureau for three years.
Blog | Consumer Financial Protection BureauStrengthening Appraisal Oversight: Progress at the Appraisal Subcommittee
Jan 17, 2025CFPB Deputy Director Zixta Martinez discusses changes at the ASC since she became Chair in 2022, including enhanced state oversight, landmark hearings on appraisal bias, and improved collaboration with The Appraisal Foundation to create a more equitable and accountable appraisal industry.
Blog | Consumer Financial Protection BureauBack from the Dead: Zombie Second Mortgages
Jan 17, 2025Forgotten second mortgages may be coming back to haunt homeowners who haven’t received notices or account statements for years.
Blog | Consumer Financial Protection BureauFederal Reserve Board announces termination of enforcement actions with Crédit Agricole S.A. and Crédit Agricole Corporate and Investment Bank, Mega International Commercial Bank Co., Ltd, and the Goldman Sachs Group, Inc.
Apr 9, 2026Federal Reserve Board announces termination of enforcement actions with Crédit Agricole S.A. and Crédit Agricole Corporate and Investment Bank, Mega International Commercial Bank Co., Ltd, and the Goldman Sachs Group, Inc.
FRB: Press Release - All ReleasesHeadlines sourced from government agencies and legal publications. Updated every 12 hours.
Did You Know?
Fintech lending now accounts for nearly 50% of all unsecured personal loans in the United States.
The average credit card interest rate hit 22.76% in 2025 — the highest since tracking began in the early 1990s.
BNPL (Buy Now, Pay Later) usage tripled between 2020 and 2025, with over 40% of U.S. consumers having used it.
Cost of living varies dramatically: the same salary goes 30-50% further in states like Texas or Tennessee vs. California or New York.