Net Worth Calculator
Calculate your net worth by adding up everything you own (assets) and subtracting everything you owe (liabilities). See where you stand and what's driving your financial picture.
Part of our Finance Calculators collection.
Net Worth Calculator
Free online calculator
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Valuables, business equity, etc.
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How to Use This Calculator
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Enter the current value of each of your assets in the fields above.
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Enter the current balance of each of your debts and liabilities.
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Your net worth is calculated instantly.
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Track this number quarterly — the trend matters more than the absolute amount.
Net Worth Formula
Net Worth = Total Assets − Total Liabilities Assets: cash, investments, real estate, vehicles, valuables Liabilities: mortgages, loans, credit card balances, other debts
Example Calculation
Example: Typical 35-year-old household
Inputs
checkingAccounts: 15000investmentAccounts: 50000retirementAccounts: 80000homeValue: 350000vehicleValue: 20000otherAssets: 5000mortgageBalance: 280000carLoans: 12000studentLoans: 25000creditCardDebt: 5000
Result
Net Worth: $198,000
Total assets of $520,000 minus total liabilities of $322,000 = $198,000 net worth.
Frequently Asked Questions
What is a good net worth at my age?
A common benchmark: by 30, aim for 1× your annual salary saved; by 40, 3×; by 50, 6×; by 60, 8×. These are rough guides — net worth varies enormously by income, location, and life circumstances.
Should I include my home in net worth?
Yes, include home equity (value minus mortgage balance). However, some financial planners calculate 'liquid net worth' separately, excluding home and car equity since you can't easily spend those assets.