Net Worth Calculator
Calculate your total net worth by listing your assets and liabilities. Track your financial health.
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Assets (What You Own)
Liabilities (What You Owe)
What is Net Worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It's a snapshot of your financial health at a specific point in time.
A positive net worth means you own more than you owe, while a negative net worth means your debts exceed your assets. Your net worth will change over time as you pay off debts, save money, and accumulate assets.
Understanding Assets
Assets are everything you own that has monetary value. They're typically divided into three categories:
Liquid Assets
Cash, savings accounts, and checking accounts. These can be quickly converted to cash without losing value. Ideal for emergencies.
Investment Assets
Stocks, bonds, mutual funds, ETFs, and retirement accounts (401k, IRA). These are meant for long-term growth and may fluctuate in value.
Property & Other Assets
Real estate, vehicles, jewelry, collectibles, and business interests. These may take time to sell and their value can be subjective.
Understanding Liabilities
Liabilities are your debts and financial obligations. They're divided into two categories:
Secured Debt
Loans backed by collateral like mortgages (backed by your home) and car loans (backed by your vehicle). If you default, the lender can take the collateral.
Unsecured Debt
Debt without collateral like credit cards, student loans, medical bills, and personal loans. These typically have higher interest rates.
Important Financial Ratios
Debt-to-Asset Ratio
Shows what percentage of your assets are financed by debt. Lower is better. Below 50% is generally considered healthy.
Liquidity Ratio
Compares your liquid assets to total debt. Higher is better. Having liquid assets equal to at least 3-6 months of expenses is recommended.
Tips for Improving Net Worth
Pay off high-interest debt first, especially credit cards.
Build an emergency fund of 3-6 months of expenses.
Maximize retirement account contributions for tax benefits.
Avoid depreciating assets like new cars when possible.
Track your net worth monthly or quarterly to see progress.
Focus on increasing income while keeping expenses stable.
How to Use This Calculator
- 1
Enter all your assets starting with cash and savings.
- 2
Include investment and retirement account balances.
- 3
Add property values (home, vehicles, other valuables).
- 4
Enter all outstanding debts and loan balances.
- 5
Click Calculate to see your net worth and financial ratios.
Net Worth Examples by Age
Typical 30-Year-Old
Assets: $50k (401k: $30k, Savings: $10k, Car: $10k) | Debts: $35k (Student loans: $25k, Car: $10k)
Net Worth: $15,000 | Debt-to-Asset: 70% - Building foundation, focus on debt payoff
Typical 45-Year-Old
Assets: $500k (Home: $300k, 401k: $150k, Savings: $50k) | Debts: $200k (Mortgage: $180k, Car: $20k)
Net Worth: $300,000 | Debt-to-Asset: 40% - Good progress, continue saving
Typical 60-Year-Old
Assets: $1M (Home: $400k, 401k: $500k, Savings: $100k) | Debts: $50k (Mortgage: $50k)
Net Worth: $950,000 | Debt-to-Asset: 5% - Strong position for retirement
Frequently Asked Questions
Should I include my home in net worth?
Yes, your home is an asset. Use its current market value, not what you paid. Subtract the remaining mortgage to see your home equity.
What about items like furniture or clothing?
These typically depreciate quickly and are hard to sell. Most people exclude everyday items unless they have significant resale value.
Is a negative net worth always bad?
Not necessarily. Young professionals with student loans often have negative net worth initially. What matters is the trend - are you moving toward positive?
How often should I calculate my net worth?
Quarterly is ideal for most people. Monthly if you're actively paying down debt or have variable investments.
Should I include my spouse's assets/debts?
For household net worth, yes. Include all shared and individual assets and debts. For personal net worth, include only what you own/owe.
What's a good net worth for my age?
A common rule: by age 30 aim for 1x salary saved. By 40, 3x salary. By 50, 6x salary. By 60, 8x salary. But circumstances vary widely.
Does net worth include future income?
No. Net worth is a snapshot of current assets and liabilities. Future income, pensions, or Social Security aren't included.
How can I increase my net worth faster?
Focus on the gap: increase income (side jobs, promotions), decrease expenses (budgeting), pay off high-interest debt, and invest consistently.