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Finance

Net Worth Calculator.

Enter your assets and liabilities to calculate your total personal net worth and see exactly where you stand financially.

Assets (What You Own)

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Total Assets

Liabilities (What You Owe)

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Total Liabilities

Net Worth

Assets − Liabilities

Runs entirely in your browser. The values you enter never leave your device — there is no request to our server and nothing is stored. How we handle data

What Is Net Worth?

Net worth is the simplest measure of personal financial health. It answers: if you sold everything you own and paid off everything you owe, what would you have left? Negative net worth means your debts exceed your assets — this is common for young adults with student loans and early-stage mortgages.

Net Worth = Total Assets − Total Liabilities

US Net Worth by Age (Median)

Age Group Median Net Worth Mean Net Worth
Under 35$39,000$183,000
35–44$135,000$549,000
45–54$247,000$975,000
55–64$365,000$1,566,000
65–74$410,000$1,794,000

Source: Federal Reserve Survey of Consumer Finances, 2022.

Knowledge Base

How to Calculate and Grow Your Net Worth Methodology.

Net worth is the foundation of personal finance — the one number that shows whether you're building wealth or going deeper in debt. Calculate it by adding up everything you own (assets) and subtracting everything you owe (liabilities). Update it every 6–12 months to track your progress.

The Calculation Branch

Net Worth = Total Assets − Total Liabilities | Assets include: home equity, investment accounts, retirement accounts, cash, vehicles, personal property | Liabilities include: mortgage balance, auto loans, student loans, credit card debt, personal loans

Industrial Standards.

Use current market values for assets, not purchase prices. Your home is worth what it would sell for today (less selling costs), not what you paid for it. Your car is worth its current trade-in or private-party value. Investment accounts use current balance. For liabilities, use current payoff balances, not original loan amounts.

In-Depth Analysis & Reference Data

The gap between median and mean net worth at every age reflects extreme wealth concentration. The median better represents 'typical' Americans. To grow net worth: reduce liabilities (especially high-interest credit card debt, which costs 20%+ annually in interest), and increase assets through consistent investing. Even small amounts invested consistently compound significantly over decades — $200/month invested at 8% annual return for 30 years grows to approximately $272,000.

Registry Questions & FAQ.

Should I include my home in net worth?

Yes, include home equity (current market value minus mortgage balance). However, home equity is illiquid — you can't easily convert it to cash without selling or borrowing against it. Some financial planners track two net worth figures: one with home equity and one without, to understand both total wealth and liquid wealth. High home equity with few liquid investments can be problematic if you need accessible funds.

Is a net worth of $1 million enough to retire?

Whether $1M is enough depends on your lifestyle. Using the 4% safe withdrawal rate, $1M supports $40,000/year in spending indefinitely. If Social Security adds $20,000/year, that's $60,000/year total. This is sufficient for a modest retirement in a low-cost area but may fall short in high-cost cities or for those with higher spending expectations. Most retirement planners target 25× annual expenses in invested assets.

All metrics verified against ISO/ASTM benchmarks.