Net Worth Calculator
Add up assets and debts to see your net worth, liquid assets and debt-to-asset ratio
Net Worth Calculator
Pre-filled with an example household. Replace the numbers with your own, or clear everything and start fresh.
Used only for the age comparison below (US dollars).
Assets
Everything you own, at today's market value
Checking accounts and cash on hand
Savings accounts, money market accounts, CDs
Stocks, ETFs and funds held outside retirement accounts
Current balances; pre-tax money has not been taxed yet
What it would likely sell for today, not what you paid
Rental property, vacation home or land, at market value
Current resale value, not the sticker price
Your share of a business, estimated conservatively
Only items you could realistically sell
Liabilities
Everything you owe, as the balance due today
Principal still owed, not the monthly payment
Outstanding balance only, not the credit limit
Remaining payoff amount on all vehicle loans
Federal and private balances combined
What you owe today across all cards
Including loans from family, if you owe them
Medical bills, tax debt, buy-now-pay-later and the like
Your Net Worth
Where your money sits
Asset allocation
Share of your $553,000 in total assets
- Cash & savings$30,000 · 5.4%
- Taxable investments$35,000 · 6.3%
- Retirement accounts$90,000 · 16.3%
- Real estate$380,000 · 68.7%
- Vehicles$18,000 · 3.3%
Liabilities breakdown
Share of your $326,500 in total debt
- Mortgage balance$290,000 · 88.8%
- Student loans$24,000 · 7.4%
- Auto loans$9,000 · 2.8%
- Credit card balances$3,500 · 1.1%
How you compare
For US families whose head of household is 35 to 44, the median net worth in the Federal Reserve's 2022 Survey of Consumer Finances was $135,600. Your net worth of $226,500 is $90,900 above the median.
| Age of family head | Median net worth |
|---|---|
| Under 35 | $39,000 |
| 35 to 44your bracket | $135,600 |
| 45 to 54 | $247,200 |
| 55 to 64 | $364,500 |
| 65 to 74 | $409,900 |
| 75 and older | $335,600 |
These are medians (the middle family, not the average) for all US families, in 2022 dollars. They are not adjusted for price changes since 2022, and they cover very different households, so your own situation may not resemble the typical family in your bracket. This is context, not advice or a target. Source: Federal Reserve Board, "Changes in U.S. Family Finances from 2019 to 2022: Evidence from the Survey of Consumer Finances," Federal Reserve Bulletin, October 2023 (Table 2, median family net worth by age of family head, 2022 dollars). View the Federal Reserve report.
About the Net Worth Calculator
Net worth is the simplest honest scorecard in personal finance: everything you own, minus everything you owe. Income tells you what comes in each month and a budget tells you where it goes, but neither shows whether you are actually getting ahead. Net worth does, because it only moves when you build assets or pay down debt, or when the value of what you hold changes.
Net worth = total assets − total liabilities
This calculator goes a little further than the subtraction. It also reports your liquid assets (cash, savings and taxable investments you could reach quickly), your debt-to-asset ratio, and which category holds the biggest share of your wealth. Those extra numbers answer practical questions the headline figure can't: how easily could I cover a surprise bill, and how exposed am I to a single asset such as my house?
Everything runs in your browser as you type. It is built around common US account types, such as 401(k)s, IRAs, HELOCs and auto loans, but the arithmetic is the same anywhere, so you can switch to another currency with the selector above the form.
How to Use This Calculator
- 1Gather current balances. Open your bank, brokerage, retirement and loan accounts and note today's balances. Statements from the last month are fine.
- 2Enter your assets. Fill in every row that applies and leave the rest blank; an empty box counts as zero. Use market value for your home, other property and vehicles, not what you paid.
- 3Enter your liabilities. Type the balance you would owe if you paid off each debt today. For credit cards, use the current balance rather than the minimum payment.
- 4Add anything unusual. Use the custom rows (up to five for assets and five for liabilities) for items that do not fit a standard row, such as cryptocurrency or a tax bill.
- 5Optionally add your age. With US dollars selected, you will see how your figure sits against the Federal Reserve's median for your age bracket.
- 6Read the results and save a snapshot. Note the date and your net worth, then repeat in six or twelve months to see your trend.
Worked Example: A Household in Their Mid-30s
The calculator opens with this example so you can see how the numbers fit together. The household owns $553,000 in assets: $8,000 in checking, $22,000 in savings, $35,000 in a brokerage account, $90,000 in retirement accounts, a $380,000 home and an $18,000 car. They owe $326,500: a $290,000 mortgage, a $9,000 auto loan, $24,000 in student loans and a $3,500 credit card balance.
- Net worth: $553,000 − $326,500 = $226,500.
- Liquid assets: $8,000 + $22,000 + $35,000 = $65,000, only a small slice of the total.
- Debt-to-asset ratio: $326,500 ÷ $553,000 = 59.0%.
- Concentration: the home is 69% of all assets, and home equity ($380,000 − $290,000) is just $90,000 of it.
- Age comparison: at age 35 the household's $226,500 is $90,900 above the $135,600 median for the 35 to 44 bracket in the 2022 SCF.
The takeaway is a typical one: a decent net worth on paper, but mostly tied up in a house and retirement accounts, with about $65,000 available for emergencies and near-term goals.
What to Include and How to Value It
| Item | How to value it |
|---|---|
| Checking and savings | Current balance. Deposits at FDIC-insured banks are insured up to $250,000 per depositor, per bank, per ownership category. |
| Brokerage account | Current market value of holdings, as shown on your latest statement or app. |
| 401(k), IRA, pension | Current account balance. Remember that pre-tax balances will be taxed when withdrawn, so the spendable amount is lower. |
| Home | Realistic sale price today, from recent comparable sales. Do not use the purchase price or the assessed value for tax purposes. |
| Vehicles | Private-party resale value from a used-car pricing guide, based on age, mileage and condition. |
| Business | A conservative estimate, such as a multiple of annual profit, or what a buyer would plausibly pay. Leave it at zero if you have no idea. |
| Valuables | What you could actually sell them for, after fees. Appraisals are a ceiling, not a price. |
| Mortgage and loans | Payoff balance on your latest statement, not the original loan amount or the monthly payment. |
| Credit cards | Total balance owed today, including any amount you normally pay off at the end of the month. |
How to Read Your Result
If your net worth is positive
You own more than you owe. The size of the number matters less than the trend and the mix: a positive figure made almost entirely of one illiquid asset is more fragile than the same figure spread across savings, investments and home equity.
If your net worth is negative
Your debts exceed your assets. This is common after graduate school, a business setback or a recent home purchase with a small down payment. It is a starting point to measure from rather than a verdict. Focus on the direction of travel, and on whether the debts carry high interest rates.
Liquid assets
This is the part you could reach within days without selling your home or paying retirement-account penalties. Compare it with a few months of essential expenses to judge how well you could handle a job loss or a large repair. This figure is gross of debt; it does not subtract what you owe.
Debt-to-asset ratio
Lower generally means more cushion. Above 100% means liabilities exceed assets. The ratio naturally runs high in the years after buying a home and falls as the mortgage is paid down, so compare it with your own past figures more than with other people's.
Ways to Grow Your Net Worth
Net worth rises through only three levers: save more, owe less, or own things that grow in value. General ideas that apply to many households (none of this is personal advice):
- Pay down high-interest debt first. Eliminating a credit card balance is a guaranteed return equal to its interest rate, which is hard to beat elsewhere.
- Build an emergency fund. A cash cushion keeps a surprise expense from becoming new debt or a forced sale of investments at a bad time.
- Capture any employer match. If your employer matches retirement contributions, contributing enough to get the full match is effectively part of your pay.
- Automate saving and investing. Regular automatic transfers remove the temptation to time the market or spend the money first.
- Keep investment costs low. Fees compound just like returns do, in the wrong direction. Compare expense ratios before choosing funds.
- Grow your income. Skills, raises, and side income raise the ceiling on how much you can save, which is often a bigger lever than trimming small expenses.
- Avoid depreciating purchases funded by debt. A car loan on a vehicle that loses value faster than you repay it can lower net worth for years.
Common Mistakes to Avoid
- Valuing your home at the purchase price. Markets move. Use what comparable homes nearby are selling for now, which may be higher or lower than what you paid.
- Counting vehicles at sticker price. A car loses value quickly. Use the private-party resale value for its age and mileage.
- Forgetting small debts. Store cards, buy-now-pay-later plans, medical bills and money owed to relatives all count, and they add up.
- Mixing up the credit limit and the balance. Only the amount you actually owe is a liability. A $20,000 limit with a $2,000 balance is a $2,000 liability.
- Treating retirement balances as fully spendable. They count toward net worth, but taxes and early-withdrawal penalties can reduce what you actually receive.
- Counting future income as an asset. Expected salary, bonuses, inheritances and benefits you have not received do not belong in the calculation.
- Over-valuing a business or collectibles. A number you hope to get is not a number you have. Use conservative resale-based values.
- Checking too often. Day-to-day swings in market prices say little about your progress. A yearly or twice-yearly check is usually enough.
Frequently Asked Questions
Disclaimer: This calculator gives an educational estimate based on the numbers you enter. It is not financial, investment, tax or legal advice, and it cannot account for taxes, fees, market changes or your personal circumstances. Asset values are estimates and may differ from what you would receive in a sale. Consider speaking with a qualified financial professional before making decisions.
Built and maintained by Sanjay Singh · Founder, Numrexo
Builds and maintains the calculators on Numrexo. Each tool's formula is documented on its page, and any reference source it relies on is listed under Method and references.
Last updated: · Calculations run in your browser. Nothing you enter is sent to us or stored.
Method and references
- Federal Reserve Board — Survey of Consumer Finances, 2022 (median family net worth by age)
- Formula: net worth = total assets − total liabilities
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