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Net Worth Calculator

Updated January 2026

A net worth calculator gives you the most important snapshot of your financial health — what you own minus what you owe. Track your net worth over time to see real financial progress and identify areas for improvement.

How to Use This Calculator

Enter all your assets in the first section: cash and savings, investments, retirement accounts, home value, vehicle value, and other assets. Then enter all your liabilities: mortgage balance, auto loans, student loans, credit card debt, personal loans, and other debt. Click Calculate to see your total assets, total liabilities, and net worth.

How It's Calculated

Net worth is the simplest and most powerful measure of financial health:

Net Worth = Total Assets − Total Liabilities

Assets include cash, investments, retirement accounts, real estate, vehicles, and other property. Liabilities include mortgages, auto loans, student loans, credit card balances, personal loans, and other debts. A positive net worth means you own more than you owe.

Frequently Asked Questions

Assets are anything you own that has monetary value — cash, bank accounts, investments, retirement accounts, real estate, vehicles, and valuable personal property. Liabilities are debts you owe — mortgage balance, auto loans, student loans, credit card balances, personal loans, and any other outstanding debt. Your net worth is simply total assets minus total liabilities. A positive net worth means you own more than you owe; a negative net worth means your debts exceed your assets.
Median net worth varies significantly by age. According to Federal Reserve data, the median net worth for Americans under 35 is about $14,000; for ages 35-44, about $91,000; for 45-54, about $168,000; for 55-64, about $213,000; and for 65+, about $266,000. These figures vary widely by income, education, location, and homeownership status. Your personal net worth trajectory matters more than how you compare to others — the key is that it trends upward over time.
Most financial experts recommend tracking your net worth at least quarterly, though monthly tracking is even better for those actively working on financial goals. Tracking too frequently (daily) can lead to unnecessary stress from short-term market fluctuations. Annual tracking is the minimum. Consistent tracking helps you see progress, identify problem areas, and stay motivated. Many people find that the simple act of regularly measuring their net worth naturally improves their financial habits.
Yes, include both but be realistic about their value. For your home, use a conservative estimate of current market value (not what you paid for it). For vehicles, use their current trade-in or private-party value, not what you paid. The mortgage balance is the associated liability on your home, and any auto loan balance is the liability on your vehicle. Including these gives you a more complete financial picture.

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