Wealth Tools
Net Worth Calculator
Get a clear snapshot of your financial health. Enter all your assets (what you own) and liabilities (what you owe) to calculate your net worth — the true measure of personal wealth.
Step 1
Your assets
Checking, savings, money market
Stocks, bonds, ETFs, mutual funds
401(k), IRA, pension
Home value, investment property
Car, truck, motorcycle
Business value, collectibles
Step 2
Your liabilities
Remaining home loan balance
Outstanding auto loan balances
Federal & private student debt
Total balances owed
Personal loans, medical debt
Overview
Assets vs liabilities
How net worth is calculated
01
List all your assets
Include cash, investments, retirement accounts, real estate, vehicles, and any other property you own.
02
List all your liabilities
Include mortgage balance, car loans, student debt, credit card balances, and any other amounts you owe.
03
Net worth = Assets − Debts
A positive net worth means assets exceed debts. Track it monthly to measure your financial progress.
Frequently asked questions
What is a good net worth at my age? ▼
A common benchmark: net worth ≈ age × pre-tax annual salary ÷ 10. At 30 earning $75,000, a target might be $225,000. But context matters — location, family, health, and lifestyle all affect what's 'good' for you.
Should I include my home's value? ▼
Yes — your home equity (home value minus mortgage balance) is a real asset. Use an estimated current market value, not what you paid. Sites like Zillow provide rough estimates.
My net worth is negative — is that normal? ▼
Negative net worth is common for young adults, especially with student loans. The key is the trend: is it improving? Reducing high-interest debt aggressively while building savings will move it positive over time.
Disclaimer: This calculator is for personal tracking purposes. Asset values (especially real estate) are estimates. Consult a financial advisor for a comprehensive financial plan.
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