Net Worth Calculator
Add up everything you own and everything you owe. See your total net worth, asset allocation breakdown, and how you compare to age-based benchmarks. Your data stays private — saved only in your browser.
💰 Assets (What You Own)
$0💳 Liabilities (What You Owe)
$0Asset Allocation
Category Breakdown
📊 Net Worth by Age Benchmarks
Ready to Grow Your Net Worth? 📈
Track your income, expenses, and investments with professional tools that help you build wealth faster.
How to Calculate Your Net Worth
Your net worth is the simplest, most powerful snapshot of your financial health. The formula is straightforward: Net Worth = Total Assets − Total Liabilities. But the real value comes from tracking it consistently over time.
Step 1: List Your Assets
Start by listing everything you own that has monetary value:
- Cash & Savings: Checking accounts, savings accounts, CDs, money market funds
- Investments: Brokerage accounts, stocks, bonds, mutual funds, ETFs
- Retirement: 401(k), 403(b), IRA, Roth IRA, pension values
- Real Estate: Home value (use Zillow Zestimate or recent appraisal), rental properties
- Vehicles: Cars, trucks, motorcycles (use Kelley Blue Book values)
- Crypto: Bitcoin, Ethereum, and other cryptocurrency holdings
- Business Equity: Value of any businesses you own
- Other: Jewelry, art, collectibles, HSA balances
Step 2: List Your Liabilities
Next, list every debt you owe — use the current outstanding balance:
- Mortgage: Remaining balance on your home loan
- Student Loans: Federal and private student loan balances
- Auto Loans: Car payment remaining balance
- Credit Cards: Total credit card balances (not credit limit)
- Personal Loans: Any unsecured personal loans
- Medical Debt: Outstanding medical bills
Understanding Your Net Worth Number
Positive net worth means you own more than you owe — you're building wealth. Negative net worth is common for young adults with student loans or new homeowners. What matters most is the trend — is your net worth growing month over month?
Net Worth Benchmarks by Age
While everyone's financial situation is different, these benchmarks (based on data from the Federal Reserve's Survey of Consumer Finances and financial planning guidelines) can give you a sense of where you stand:
- Age 25: $0 – $50,000 (building foundation)
- Age 30: 1× annual salary
- Age 35: 2× annual salary
- Age 40: 3× annual salary
- Age 50: 6× annual salary
- Age 60: 8× annual salary
- Age 67: 10× annual salary (retirement ready)
Tips to Increase Your Net Worth
- Pay yourself first: Automate savings before spending
- Pay off high-interest debt: Credit card interest destroys wealth — use our Debt Payoff Calculator
- Max out tax-advantaged accounts: 401(k) match is free money; Roth IRA grows tax-free
- Invest consistently: Dollar-cost averaging into index funds builds wealth over decades
- Increase income: Negotiate raises, freelance, or start a side business — use our Freelance Rate Calculator
- Track monthly: What gets measured gets managed — update this calculator regularly
Frequently Asked Questions
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It's the single best measure of your overall financial health. A positive net worth means you own more than you owe; a negative net worth means your debts exceed your assets.
Assets include cash and savings accounts, investment accounts (401k, IRA, brokerage), real estate (home equity), vehicles, business equity, cryptocurrency, and valuable personal property like jewelry or collectibles. Include anything with significant monetary value that you could sell.
Liabilities include mortgages, student loans, car loans, credit card balances, personal loans, medical debt, and any other money you owe. Include the current outstanding balance, not the original loan amount.
A common benchmark is: by age 30, aim for 1x your annual salary saved; by 40, 3x; by 50, 6x; by 60, 8x; and by 67, 10x your salary. However, the median net worth in the US is about $192,000 for all ages. The most important thing is that your net worth is growing over time.
Most financial advisors recommend tracking net worth monthly or quarterly. Monthly tracking helps you stay motivated and catch problems early. This calculator saves your data locally so you can update it quickly each time without re-entering everything.
Yes. This calculator stores all data in your browser's localStorage — nothing is sent to any server. Your financial information never leaves your device. You can clear it anytime by clicking the reset button.