Net Worth Calculator
Free net worth calculator. Track your assets and liabilities to calculate total net worth. Includes debt-to-asset ratio and milestone tracking.
$275,000
$600,000
$325,000
54.2%
Assets
$
$
$
$
$
$
Liabilities
$
$
$
$
Asset vs Liability Breakdown
Assets$600,000
Liabilities$325,000
Asset Allocation
Home Value
58.3%$350,000
Investments (401k, IRA)
25.0%$150,000
Stocks & Bonds
8.3%$50,000
Cash & Savings
4.2%$25,000
Car Value
3.3%$20,000
Checking Account
0.8%$5,000
Net Worth Milestones
Debt Free
$0
✓Emergency Fund
$25,000
✓6 Figures
$100,000
✓Quarter Million
$250,000
✓Half Million
$500,000
Millionaire
$1,000,000
Multi-Millionaire
$2,000,000
Decamillionaire
$10,000,000
Building Net Worth
- Track your net worth monthly or quarterly
- Focus on paying down high-interest debt first
- Maximize employer 401(k) matching
- Build an emergency fund of 3-6 months expenses
- Invest consistently for long-term growth
- Keep lifestyle inflation in check as income grows
Net Worth Formula
Net Worth = Total Assets - Total Liabilities
Assets include everything you own (cash, investments, property, vehicles). Liabilities include everything you owe (mortgages, loans, credit cards).
🔒 Fast, free math calculators that run in your browser. No uploads, 100% private.
Last updated: January 2026
Related Calculators
Frequently Asked Questions
What is net worth and how do I calculate it?
Net worth = Total Assets - Total Liabilities. Assets include: cash, investments, retirement accounts, home equity, vehicles, valuables. Liabilities include: mortgages, car loans, student loans, credit card debt. A person with $500,000 in assets and $200,000 in debt has $300,000 net worth.
What's a good net worth for my age?
A common benchmark: your net worth should equal your annual income × (age ÷ 10). At 30 earning $60,000, target $180,000. At 40 earning $80,000, target $320,000. The median US net worth: Under 35: $14,000. 35-44: $91,000. 45-54: $168,000. 55-64: $213,000. 65+: $255,000.
Should I include my home in net worth?
Yes, but only the equity (home value minus mortgage balance). A $400,000 home with $300,000 mortgage = $100,000 equity. Some people track 'liquid net worth' separately, excluding home equity since it's not easily accessible. Both views are valid—just be consistent in tracking.
How can I increase my net worth?
Two paths: increase assets or decrease liabilities. Fastest methods: 1) Pay off high-interest debt, 2) Maximize retirement contributions, 3) Avoid lifestyle inflation as income grows, 4) Invest consistently, 5) Build skills to increase income. $500/month invested at 7% for 30 years = $560,000.
How often should I calculate my net worth?
Quarterly or monthly tracking works best. More frequent updates show progress and catch problems early. Use the same method each time for consistency. Don't obsess over short-term market fluctuations—focus on the trend over years. Many people track on a spreadsheet or use apps like Mint or Personal Capital.