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Net Worth Calculator

Calculate your total net worth by entering your assets and liabilities.

Assets (What You Own)
Liabilities (What You Owe)

Understanding Net Worth

Net worth is a snapshot of your financial health at a specific point in time. It's calculated by subtracting your total liabilities from your total assets. A positive net worth means you own more than you owe, while a negative net worth indicates the opposite.

Why Track Net Worth?

  • Financial Health Check: Provides a clear picture of your overall financial situation
  • Progress Tracking: Monitor your financial growth over time
  • Goal Setting: Helps set realistic financial goals
  • Decision Making: Informs major financial decisions

Net Worth by Age (US Median)

Age GroupMedian Net Worth
Under 35$14,000
35-44$91,000
45-54$168,000
55-64$213,000
65+$255,000

Tips to Increase Net Worth

  • Pay down high-interest debt first
  • Increase retirement contributions
  • Build an emergency fund
  • Invest consistently over time
  • Avoid lifestyle inflation
Healthy Ratios
  • Debt-to-Asset: Below 50%
  • Emergency Fund: 3-6 months expenses
  • Retirement: 10-15% of income