Net Worth Calculator
Enter your assets and liabilities to instantly calculate your net worth — the single most important number for measuring your financial health.
Assets (What You Own)
Liabilities (What You Owe)
Total Assets
$0
Total Liabilities
$0
Net Worth
$0
Your net worth = total assets minus total liabilities.
Track Your Net Worth Over Time
Calculate your net worth monthly to see real progress. Our free budget template helps you track assets, debts, and spending so your net worth keeps growing.
Get the Free Budget Template →What Is Net Worth and Why Does It Matter?
Net worth is the simplest measure of your financial health: everything you own minus everything you owe. Unlike income, which shows how much money flows in, net worth shows how much wealth you have actually built.
Tracking net worth monthly gives you a clear picture of whether you are moving forward or backward financially — regardless of how much you earn.
Average Net Worth by Age (U.S.)
- Under 35 — Median: $39,000 / Average: $183,000
- 35-44 — Median: $135,000 / Average: $549,000
- 45-54 — Median: $247,000 / Average: $975,000
- 55-64 — Median: $364,000 / Average: $1,566,000
- 65+ — Median: $409,000 / Average: $1,794,000
How to Increase Your Net Worth
- Pay down high-interest debt first — credit card debt costs 20%+ per year.
- Maximize retirement contributions — employer matches are free money.
- Build an emergency fund — prevents going into debt for surprises.
- Invest consistently — even $200/month grows to $100,000+ in 20 years.
Related Resources
Frequently Asked Questions
Is a negative net worth normal?
Yes, especially for young adults with student loans or a new mortgage. A negative net worth is temporary as long as you are paying down debt and building assets. Most people under 30 have a negative net worth.
Should I include my car as an asset?
Yes, include the current market value (not what you paid). Cars depreciate quickly — check Kelley Blue Book for an accurate estimate. Subtract any remaining auto loan balance on the liabilities side.
How often should I calculate my net worth?
Monthly is ideal. It takes 5 minutes and gives you the clearest picture of financial progress. Quarterly is the minimum frequency to catch trends early.