Net Worth Calculator
Calculate your total net worth by entering your assets and liabilities. See exactly where you stand financially with this free net worth calculator.
Your net worth is the single most important number in personal finance — assets minus liabilities. This calculator helps you see your complete financial picture in seconds.
What counts as an asset?
- Liquid assets: cash, checking, savings, money market accounts
- Investments: stocks, bonds, ETFs, mutual funds, retirement accounts (401k, IRA)
- Real estate: current market value of homes and investment properties
- Personal property: vehicles, jewelry, collectibles at resale value
What counts as a liability?
- Secured debt: mortgage balance, auto loan, home equity loan
- Unsecured debt: credit card balances, personal loans, medical bills
- Student loans: total outstanding balance
- Other: taxes owed, legal judgments, co-signed debts
Net worth benchmarks by age
- Age 30: Median ~$35,000 — focus on eliminating high-interest debt
- Age 40: Median ~$90,000 — maximize 401(k) contributions
- Age 50: Median ~$180,000 — catch-up contributions available
- Age 60: Median ~$280,000 — shift to wealth preservation