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Net Worth Calculator

Calculate your net worth by listing your assets and liabilities. Net worth is the single best measure of your financial health.

How to Use

1 Enter the current value of each asset.
2 Enter the current balance of each debt.
3 Click Calculate.

Formula

Net Worth Total Assets - Total Liabilities

Example

Assets: $15K cash + $50K investments + $250K property = $315K. Liabilities: $200K mortgage + $25K student loans = $225K. Net worth = $90,000.

Why It Matters

Net worth is your financial snapshot. Tracking it over time shows if you are building wealth or falling behind. The median US household net worth is about $121,000. Aim to grow yours by increasing assets and reducing debt.

Who Uses This Calculator?

  • • People comparing loan, mortgage, salary, savings, tax, or investment scenarios before making a money decision.
  • • Homeowners, borrowers, employees, freelancers, and small business owners who need fast estimates without a spreadsheet.
  • • Anyone who wants to understand the inputs, formula, and tradeoffs behind a financial result.

Frequently Asked Questions

How often should I calculate net worth?
Quarterly or annually. Monthly is too volatile due to market swings. Track the trend over time rather than month-to-month changes.
Should I include my home value?
Yes, but use a conservative estimate (not Zillow high). Include the mortgage as a liability. Your home equity (value minus mortgage) is part of your net worth.
What is a good net worth by age?
Rule of thumb: Net worth = Age x Annual Salary / 10. At 30 earning $60K = $180K. At 40 earning $80K = $320K. These are aspirational, not average.

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This calculator provides estimates for informational purposes only and is not financial, tax, or legal advice. Consult a qualified professional before making financial decisions.