Net Worth Calculator
Calculate your total net worth
About the Calculator
Net worth gives you a clearer scorecard than income alone. This calculator helps you list assets and debts, then shows where you stand today. Use it to see progress over time, spot weak areas, and decide what to tackle next, whether that is paying down debt, building cash, or investing. It also helps you set realistic goals because it turns scattered numbers into one snapshot. Update it quarterly or yearly, and you will have a simple measure of momentum that keeps you focused. Seeing the trend keeps motivation high even when progress feels slow. It can also help partners align on shared priorities.
Assets (What You Own)
Stocks, bonds, brokerage accounts
401k, IRA, pension
Current market value
Current resale value
Jewelry, collectibles, etc.
Liabilities (What You Owe)
Remaining balance
Personal loans, medical bills, etc.
Your Net Worth
$118,000
141% asset-to-debt ratio
Balance Sheet
Asset Breakdown
Liability Breakdown
Net Worth by Age Benchmarks (US)
Age 20-29
$76k avg
$14k median
Age 30-39
$436k avg
$91k median
Age 40-49
$833k avg
$168k median
Age 50-59
$1.2M avg
$256k median
These are national averages. Your target net worth should align with your personal goals, not others' numbers.
The Formula
How to Calculate Manually
- 1
Enter all your assets (what you own): cash, investments, retirement accounts, home value, vehicles, etc.
- 2
Enter all your liabilities (what you owe): mortgages, auto loans, student loans, credit card debt, etc.
- 3
Review your total net worth and balance sheet visualization
- 4
Track this number over time to measure financial progress
Examples
$50,000 in assets, $30,000 in debt
$20,000 net worth
$300,000 home + $100,000 investments - $250,000 mortgage - $20,000 car loan
$130,000 net worth
What if I have negative net worth?
Negative net worth is common early in career (student loans, new mortgage) - focus on increasing over time
💡 Tips
- •Net worth is a better indicator of financial health than income - you can earn $200k and have negative net worth
- •Track your net worth quarterly or annually to measure progress
- •Focus on increasing assets AND decreasing liabilities for fastest growth
- •Don't include personal items (furniture, clothes) unless they have significant resale value
- •Use current market values for homes and vehicles, not what you paid
🎉 Fun Facts
- •Average net worth by age in the US: 30s = $76,000, 40s = $436,000, 50s = $833,000, 60s = $1.2M
- •Median net worth is much lower than average: 30s = $14,000, 40s = $91,000, 50s = $168,000
- •The top 1% of households have a net worth over $11 million
- •Your net worth should ideally grow faster than inflation (3-4% per year minimum)