Net Worth Calculator
Calculate your net worth by totaling all your assets and subtracting all your liabilities. Track your financial progress and set wealth goals.
Frequently Asked Questions
What is net worth and how is it calculated?
Net Worth = Total Assets − Total Liabilities. Assets include: cash, checking/savings accounts, investment accounts, retirement accounts (401k, IRA), real estate value, vehicle value, and other valuables. Liabilities include: mortgage balance, car loans, student loans, credit card debt, and personal loans. A positive net worth means you own more than you owe.
What is a good net worth by age?
A common benchmark: net worth should equal your annual salary by age 30, 3× by 40, 6× by 50, and 10× by 60 (for retirement readiness). The median US net worth is roughly $120,000 for adults under 35 and $1.2 million for those 65–74. Net worth below zero (negative) is common for young adults with student loans. The key is a positive trend, not any specific number.
How can I increase my net worth quickly?
The fastest levers are: (1) Increase income through skills, promotions, or side work; (2) Reduce high-interest debt — paying off 20% APR credit cards is a guaranteed 20% return; (3) Maximize retirement contributions for tax advantages; (4) Build home equity through extra principal payments; (5) Invest consistently in diversified index funds. Track your net worth quarterly to maintain momentum and catch drift early.