Loading…
Calculate your net worth — assets minus liabilities.
💎 Net worth = what you own minus what you owe. The median US net worth is ~$192,000; $1M+ puts a household in roughly the top 10-15%.
Your net worth is the single best snapshot of your financial health — what you own (assets) minus what you owe (liabilities). Tracking it over time reveals whether you're building wealth or treading water.
Net worth varies enormously by age. The US median is around $192,000 across all ages, but the median for ages 30-34 is only about $40,000. Reaching $1M+ net worth puts a household in roughly the top 10-15%.
Net worth is simply Assets − Liabilities. Suppose you have $8,000 in savings, $42,000 in a retirement account, a car worth $15,000, and a home worth $320,000 — that's $385,000 in assets. Against that you owe a $220,000 mortgage, a $12,000 auto loan, and $3,000 on a credit card — $235,000 in liabilities. Your net worth is $150,000. Notice that home equity alone ($100,000) is a big slice, which is why including the residence (minus the mortgage) matters.
Disclaimer: This calculator is for informational and educational purposes only and does not constitute financial, investment, or legal advice. Calculated results are estimates based on the inputs you provide; actual figures may vary. Always consult a qualified professional before making financial decisions.
The Net Worth Calculator lets you figure out net worth calculatorinstantly, without reaching for a spreadsheet or doing the math by hand. Whether you're planning a budget, checking a loan, or working through homework, the tool applies the correct formula behind the scenes and shows the result the moment you enter your numbers.
Unlike a static chart or table, this calculator adapts to your exact inputs. You can adjust any value and see the outcome update in real time, which makes it easy to compare scenarios — for example, "what if the rate were 1% lower?" or "what if I paid an extra $50 a month?"
Common uses: people reach for this tool when they need to find a net worth calculator by assets, assets minus liabilities calculator, personal net worth tracker, or net worth by age benchmark.
Browser-based tools like this one have a few real advantages over installed software or manual methods:
The Net Worth Calculator is based on the following formula:
Net worth = total assets − total liabilities
Variables: Net worth = Net worth ($) total assets = Everything owned: cash, investments, home, car ($) total liabilities = Everything owed: mortgage, loans, card balances ($)
Assets are what you own (cash, investments, home, car); liabilities are what you owe (mortgage, loans, card balances). Positive net worth means assets exceed debts.
Worked example: Step 1: assets = $350,000 home + $60,000 investments + $15,000 cash + $20,000 car = $445,000. Step 2: liabilities = $250,000 mortgage + $12,000 car loan + $3,000 cards = $265,000. Step 3: 445,000 − 265,000 = $180,000. Result: net worth is $180,000.
More tools you might find useful