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Net Worth Calculator: Assets Minus Liabilities

Use this net worth calculator to capture the financial snapshot that matters most — everything you own minus everything you owe. Track it once a year to see whether you're moving in the right direction.

Assets — what you own

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Liabilities — what you owe

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Your Summary

Net worth $0 Enter your numbers
Total assets $0
Total liabilities $0
Asset-to-debt ratio —

A higher ratio indicates stronger financial health.

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How this calculator works

Net worth is one arithmetic operation:

Net Worth = Total Assets − Total Liabilities

Assets are anything you own that has market or liquidation value. Liabilities are outstanding balances you owe to lenders. The result can be negative — many people start their financial lives with negative net worth due to student loans or car loans exceeding early savings.

What to include: Use current market value for your home (not purchase price) and vehicles (Kelley Blue Book estimate). For retirement accounts, use the current vested balance — they are real assets even if penalties apply to early withdrawal.

Median US net worth by age (Federal Reserve, 2022): Under 35: $39,000 · 35–44: $135,000 · 45–54: $247,000 · 55–64: $364,000 · 65–74: $410,000 · 75+: $335,000.

Source: Net worth benchmarks are from the Federal Reserve Survey of Consumer Finances (2022), published every three years.

FAQ

Is a negative net worth bad?
Not necessarily, especially early in life. A 25-year-old with $40,000 in student loans and $5,000 in savings has a net worth of -$35,000 — but if income is growing and debt is shrinking, they are building net worth every month. The trend matters more than the snapshot.
Should I include my home in net worth?
Yes — your home is an asset at current market value and your mortgage is a liability at the remaining balance. The difference is your home equity, which counts toward net worth. Use Zillow or Redfin for a current estimate.
How often should I calculate my net worth?
Once a year at a consistent time (many use January) gives a clear annual trend without short-term noise. Quarterly is fine for more visibility. Daily tracking is counterproductive — normal market swings will move investment values and cause unnecessary stress.
What is a good net worth at 30, 40, or 50?
A common benchmark: 1× salary by 30, 3× by 40, 6× by 50 (from Fidelity's retirement savings guidelines). The Federal Reserve SCF shows wide variation — the direction of growth matters more than the absolute number.
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