Net Worth Calculator

Use this free net worth calculator to calculate your total net worth from assets minus liabilities.
Assets (What You Own)
Liabilities (What You Owe)

What Is Net Worth?

Net worth = Total Assets − Total Liabilities. It's the most comprehensive snapshot of your financial health. A positive net worth means you own more than you owe. A negative net worth means your debts exceed your assets.

For context: the median US household net worth is ~$192,900 (2023 Fed data), while the mean is ~$1,066,600 — skewed by high-wealth households. Track yours regularly to measure financial progress.

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How our net worth calculator works

1

Add your assets

Type cash, checking, savings, investments, retirement accounts, real estate, vehicles, and any other valuable items. The calculator sums them.

2

Subtract your liabilities

Enter mortgage, auto loans, student loans, credit card balances, and any other debts. The calculator sums these too.

3

Get your net worth

Net worth = total assets - total liabilities. The result is a single number representing your full financial position.

Key things to know about our net worth calculator:

  • Track over time: Most personal finance experts check net worth quarterly. Aim to grow it by 5-15% per year in early career, 10-25% in mid career, and maintain it in retirement.
  • Average net worth: Median US household net worth is about 192,000 dollars, but the mean is 1 million+ due to high-net-worth outliers. Compare to peers, not averages.
  • Include everything: Even small items matter. Cars, jewelry, collectibles, business equity, and unused gift cards all count as assets.

For related calculations, try our budget calculator.