Net Worth Calculator
Add up what you own, subtract what you owe, and get the one number that tracks financial progress better than income ever does.
What you own
What you owe
Track this quarterly, not daily. The direction over a year matters; the day-to-day wiggle is your investments breathing.
The scoreboard income can’t fake
Income measures what flows through your hands; net worth measures what stayed. The two diverge constantly — high earners with nothing kept, modest earners quietly wealthy — and only one of them tells you whether the machine is actually working.
The calculation is subtraction, and the honesty is in the inputs. Realistic resale values, every debt included, no rounding the car up because you love it.
Read the composition, not just the total
Two households with identical totals can be in very different shape, which is why the results split the number apart.
Liquid assets — cash and taxable investments — are what you could deploy this month; a large net worth that is entirely house is wealth you cannot spend without moving. Home equity grows from two directions at once, which is the quiet compounding of the mortgage years. And the debt-to-asset ratio is the leverage gauge — above 0.5 means creditors own more of your balance sheet than you do, and its monthly-payment cousin is the debt-to-income ratio lenders check.
Track it like a season, not a game
Compute it quarterly, write it down, and judge the year — daily moves are just your investments breathing. The medians in the Fed’s survey offer rough context by age, but the only comparison that changes behavior is against your own last quarter. Growth comes from exactly three levers — saving more of what flows through, compounding what is saved, and retiring debts that bleed the other direction.
How this is calculated
Net worth = assets (cash, investments, retirement, home, vehicles) − liabilities (mortgage, loans, cards)
Frequently asked questions
- What is a good net worth for my age?
- Medians from the Fed's Survey of Consumer Finances run roughly $39k under 35, $135k for 35-44, $247k for 45-54 and $364k for 55-64 — but medians mix homeowners, renters, inheritances and student debt into one number. Your own trajectory over time is the benchmark that means something.
- Should I count my home?
- Yes, at a realistic sale price, with the mortgage counted on the other side — the difference is your equity. Just stay aware that home equity is illiquid; the liquid line in the results shows what you could actually deploy without selling the roof.
- How do I value cars and other stuff?
- Vehicles at current private-sale value, which is usually a sobering markdown from what you paid. Furniture, electronics and most possessions are worth so little resale that counting them mostly flatters the number — leave them out unless they are genuinely marketable.
- Is a negative net worth bad?
- It is normal early — a new graduate with student loans and no assets starts negative by design. The number that matters is the direction over quarters and years. Negative and improving beats positive and eroding.