Net Worth Calculator

Add your assets and liabilities to calculate your net worth instantly. Understanding your net worth is the first step to building wealth.

Your Net Worth

Total Assets

Total Liabilities

Debt Ratio

💰 Assets$0

💸 Liabilities$0

Breakdown by Category

Assets

Liabilities

How to calculate your net worth

Add your assets

List everything you own that has value — savings, investments, real estate, vehicles, and personal property.

Add your liabilities

List everything you owe — mortgage balance, car loans, student loans, credit card debt, and any other debts.

Assets minus liabilities

Your net worth is simply total assets minus total liabilities. Track it quarterly to measure your financial progress.

Frequently asked questions

What is net worth?

Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It is the most comprehensive single measure of your financial health and is used by lenders, financial planners, and investors to assess financial position.

What is a good net worth by age?

A common benchmark is to have saved 1x your annual salary by age 30, 3x by age 40, 6x by age 50, and 8x by age 60. However, net worth varies widely and negative net worth in your 20s from student loans is common and not alarming.

Should I include my home in net worth?

Yes — your home's current market value is an asset. Your outstanding mortgage balance is a liability. The difference (your home equity) contributes to net worth. Many people's net worth is primarily home equity.

Is this calculator free?

Yes — completely free. No data is saved or stored.