Net Worth Calculator
Add your assets and liabilities to see your true financial picture.
For educational purposes only. Calculator results are estimates based on the inputs you provide and are not a substitute for professional financial advice. Consult a licensed financial advisor before making investment, borrowing, or retirement decisions.
Inputs
Your results will appear here
Fill in the inputs and click Calculate
What is net worth?
Net worth is the single most important number in personal finance. It is the difference between everything you own (assets) and everything you owe (liabilities). A positive net worth means your assets exceed your debts. A negative net worth is common early in life due to student loans or mortgages — it does not mean financial failure.
Tracking net worth over time is more useful than any single snapshot. Consistent upward movement — paying down debt, building savings, growing investments — is a strong indicator of financial health regardless of the absolute number.
How to use this calculator
- List your assets — Add each asset by name and current market value. Include bank accounts, investment accounts, retirement funds, real estate equity, and vehicles.
- List your liabilities — Add each debt with its outstanding balance. Include mortgages, car loans, student loans, credit card balances, and personal loans.
- Click Calculate to see total assets, total liabilities, and your net worth.
- Review the AI insights for observations about your financial position and what to focus on next.
What counts as an asset?
Include items with real, realisable monetary value:
- Checking, savings, and money market accounts
- Investment and brokerage accounts (stocks, ETFs, crypto)
- Retirement accounts (401k, IRA, pension cash value)
- Real estate at current market value
- Vehicles at current resale value
- Business equity and valuable collectibles
Frequently asked questions
Should I include my home's full value or just my equity?
Enter the full current market value as an asset, and the outstanding mortgage balance as a liability. The calculator nets them automatically, showing your home equity as part of total net worth.
What is a good net worth for my age?
A common rule of thumb: net worth ≈ (age × annual pre-tax income) ÷ 10. At 35 earning $80,000, that target is $280,000. But this varies hugely by income and location. Focus on consistent year-over-year growth rather than benchmarks.
Should I include personal property like furniture?
Only include items with real resale value. Everyday furniture, clothing, and electronics depreciate quickly. Stick to assets you could realistically convert to meaningful cash — real estate, vehicles, investments, and savings.
How often should I recalculate my net worth?
Quarterly works well for most people. Monthly is useful during aggressive debt payoff or savings phases. At minimum, do an annual review to see year-over-year progress and adjust your financial plan accordingly.
Net worth benchmarks and real examples
35-year-old earning $120,000 — what is a healthy net worth?
A common benchmark is net worth equal to one year of gross income by 35, and 3x by 45. At $120,000 income, a target of $120,000–$360,000 at 35 is considered on track. The Federal Reserve's 2022 Survey of Consumer Finances found the median net worth for households aged 35–44 was $135,300, while the mean was $549,600 — skewed heavily by high earners.
House worth $450,000 with a $320,000 mortgage and $85,000 in investments
Your net worth here is $215,000: $450,000 (home) + $85,000 (investments) − $320,000 (mortgage). Home equity ($130,000) represents 60% of your net worth. This is common for homeowners in their 30s and 40s — heavily concentrated in a single illiquid asset — which is why growing investable assets alongside paying down a mortgage matters.
Negative net worth at 28 — is it normal, and when does it improve?
Negative net worth at 28 is common with student loans and car debt. A graduate with $50,000 in student debt and minimal savings starts deeply negative. Most people in this situation reach breakeven by their early-to-mid 30s as income rises, loans are paid down, and savings begin to compound. The turning point arrives faster when debt payoff is prioritised over lifestyle inflation.
Million-dollar net worth — what does it actually look like?
A $1,000,000 net worth at 55 might look like: $350,000 in home equity, $500,000 in 401k/IRA accounts, $100,000 in a taxable brokerage, and $50,000 in cash. Most of it is illiquid or tax-deferred. Liquid, accessible wealth is often a much smaller number — which is why net worth and financial security are not the same thing.