Net Worth Calculator
Know your true financial position. Add your assets and liabilities to calculate your net worth.
Assets (What You Own)
Cash & Savings
Investments
Property
Other Assets
Liabilities (What You Owe)
Mortgages & Loans
Student Debt
Credit Cards
Other Liabilities
Your Net Worth
A ratio below 50% is generally considered healthy.
Asset Breakdown
Your Financial Health
Understanding Your Net Worth
What Is Net Worth?
Your net worth is a simple equation: Assets - Liabilities = Net Worth. It represents your financial position at a single point in time.
- Assets = Everything you own (cash, investments, property)
- Liabilities = Everything you owe (mortgages, loans, credit cards)
Why Track Net Worth?
Tracking your net worth over time is one of the best ways to measure your financial progress.
- See the big picture of your finances
- Track progress toward financial goals
- Make informed decisions about spending
- Plan for retirement more effectively
Net Worth Benchmarks by Age
| Age | Average Net Worth | Median Net Worth | Target (1x-2x Salary) |
|---|---|---|---|
| Under 35 | $76,300 | $13,900 | 0.5x - 1x salary |
| 35-44 | $436,200 | $91,300 | 1x - 2x salary |
| 45-54 | $833,200 | $168,600 | 3x - 4x salary |
| 55-64 | $1,175,900 | $212,500 | 5x - 7x salary |
| 65-74 | $1,217,700 | $266,400 | 8x - 10x salary |
Source: Federal Reserve Survey of Consumer Finances (2022). Note: Average is skewed by high earners; median is more representative of typical households.
Frequently Asked Questions
Is a negative net worth bad?
Not necessarily. Many young adults have negative net worth due to student loans or mortgages. What matters is the trajectory - are you moving toward positive territory over time?
Should I include my home in net worth?
Yes, but be conservative with the value. Use recent comparable sales in your area, not Zillow estimates. Your home equity (value minus mortgage) contributes to net worth but isn't liquid.
How often should I calculate my net worth?
Most financial experts recommend calculating your net worth quarterly or at least annually. This helps you track progress without obsessing over short-term market fluctuations.
What's a good debt-to-asset ratio?
Generally, a debt-to-asset ratio below 50% is considered healthy. Under 30% is excellent. Higher ratios may indicate over-leverage, though context matters (e.g., a new mortgage).