Net Worth Calculator
Calculate your net worth by subtracting liabilities from assets. Track your financial progress and understand your true wealth position.
Your Assets
Your Net Worth
$0
Assets exceed liabilities
Assets: $0Liabilities: $0
You're on your way! Focus on increasing savings.
Debt-to-Asset Ratio: 0.0%
Total Assets
$0
Total Liabilities
$0
Liquid Assets
$0
Investment Assets
$0
What is Net Worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It's one of the most important metrics for measuring your overall financial health. A positive net worth means your assets exceed your debts, while a negative net worth indicates you owe more than you own.
Formula: Net Worth = Total Assets - Total Liabilities
Assets (What You Own)
- +Liquid Assets: Cash, checking, savings accounts
- +Investments: Stocks, bonds, mutual funds, ETFs
- +Retirement: 401(k), IRA, pension plans
- +Real Estate: Home, investment properties
- +Vehicles: Cars, boats, motorcycles
- +Valuables: Jewelry, art, collectibles
Liabilities (What You Owe)
- -Mortgage: Outstanding home loan balance
- -Auto Loans: Car loan balances
- -Student Loans: Education debt
- -Credit Cards: Outstanding balances
- -Personal Loans: Unsecured debt
- -Other Debts: Medical bills, taxes owed
Net Worth Benchmarks by Age
| Age | Median Net Worth | General Target |
|---|---|---|
| Under 35 | $14,000 | 0.5x annual income |
| 35-44 | $92,000 | 1-2x annual income |
| 45-54 | $168,000 | 3-4x annual income |
| 55-64 | $213,000 | 5-7x annual income |
| 65+ | $266,000 | 8-10x annual income |
* Based on U.S. Federal Reserve data. Individual circumstances vary.
How to Increase Your Net Worth
- 1.Pay down high-interest debt: Focus on credit cards and personal loans first.
- 2.Increase savings rate: Aim to save at least 20% of your income.
- 3.Invest consistently: Take advantage of compound growth over time.
- 4.Maximize retirement contributions: Get employer 401(k) matches.
- 5.Increase income: Negotiate raises, develop new skills, or start side income.
- 6.Track regularly: Review your net worth monthly or quarterly to stay on track.
Understanding Debt-to-Asset Ratio
Healthy Ratio (Under 50%)
- + Assets significantly exceed debts
- + Good financial flexibility
- + Lower financial risk
High Ratio (Over 50%)
- - More than half of assets are offset by debt
- - Limited financial flexibility
- - Focus on debt reduction needed