📊 Net Worth Calculator

A net worth calculator tallies your total assets (savings, investments, property, vehicles) minus all liabilities (mortgages, loans, credit card debt) to give you a clear financial snapshot. Tracking your net worth monthly is the single most powerful habit for building long-term wealth.

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Assets

Liabilities (debts)

Your net worth

$139,500.00

Total assets

$435,000.00

Total liabilities

$295,500.00

Debt-to-asset ratio

67.9%

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Frequently asked questions

How is net worth calculated?▾

Net worth = total assets − total liabilities. Assets include cash, investments, real estate, vehicles, and valuables. Liabilities include mortgages, car loans, student loans, and credit card balances.

What is the average net worth by age?▾

According to the US Federal Reserve (2022), median net worth is: under 35: $39k; 35–44: $135k; 45–54: $248k; 55–64: $365k; 65–74: $410k. Mean values are much higher due to the ultra-wealthy.

Recommended services

Betterment

Automated investing and retirement accounts (IRA, 401k rollover, Roth IRA).

Visit Betterment ↗

Empower (Personal Capital)

Free net worth tracker, portfolio analysis, and retirement planning tools.

Visit Empower (Personal Capital) ↗

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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates and not financial advice. Consult a licensed financial advisor before making financial decisions.