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Net Worth Calculator

Add your assets and liabilities to calculate your total net worth.

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Net Worth Calculator

Assets − Liabilities = Net Worth

📈 Assets

$0.00

📉 Liabilities

$0.00

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Add your assets and liabilities above to calculate your net worth

Net Worth Calculator — Your Complete Financial Picture

Your net worth is the most comprehensive snapshot of your financial health. It's calculated by subtracting your total liabilities (debts) from your total assets (what you own). This calculator makes it easy to add and categorize all your assets—savings accounts, investments, real estate, vehicles, retirement funds—and all your debts—mortgages, student loans, car loans, credit card balances. The result tells you exactly where you stand financially and helps you track progress over time.

What to Include

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Assets

Cash, savings, investments, real estate, vehicles, retirement accounts, personal property

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Liabilities

Mortgage, student loans, car loans, credit cards, personal loans, medical debt

Frequently Asked Questions

What is a good net worth for my age?

A common benchmark is: your age × annual gross income ÷ 10. For example, a 30-year-old earning $60,000 should target about $180,000. But everyone's situation is different—focus on consistent growth rather than comparing to others.

Is a negative net worth bad?

Not necessarily—it's common for young adults with student loans or new homeowners. The key is understanding why it's negative and having a plan to grow it. Track it regularly and aim for improvement each quarter.

How often should I calculate my net worth?

Financial advisors recommend quarterly or at least twice a year. More often than monthly can cause anxiety from short-term market fluctuations.

Should I include my car as an asset?

Yes, include your car's current market value (check Kelley Blue Book) as an asset, and any remaining car loan balance as a liability. The difference is the equity you have in the vehicle.

Related Calculators

Marcus Webb, CFP®

Certified Financial Planner

Apex Wealth Advisory

"Net worth is the single most important number in personal finance. It's your financial score—the difference between everything you own and everything you owe. I recommend calculating it at least quarterly to track your progress and catch problems early."

15 Years Financial Advisory CFP® Certified Forbes Top 30 Advisor

Average US Net Worth by Age

Under 35 $76,300

35-44 $436,200

45-54 $833,200

55-64 $1,175,900

65-74 $1,217,700

75+ $977,600

Source: Federal Reserve SCF 2022 (mean)

💡 Wealth Building Tips

✅ Pay off high-interest debt first (credit cards)

📈 Invest consistently — even small amounts compound

🏠 Build home equity through regular mortgage payments

🎯 Track your net worth quarterly to stay motivated