Net Worth Calculator
List everything you own and everything you owe, by category, to see your net worth, debt-to-asset ratio and where your money sits, then save dated snapshots to track progress. Your lists stay in this browser only.
Assets
Liabilities
Assets by category
Liabilities by category
Track your net worth over time
Save a dated snapshot of today's totals (for example once a month). Snapshots and your lists are stored only in this browser.
Use current market values for assets (what you could sell them for today) and current balances for debts. The example values are illustrative.
How to use the Net Worth Calculator
- List your assets: bank accounts, investments, retirement accounts, the market value of your home, vehicles and anything else of value. Choose a category for each.
- List your debts: mortgage balance, car loans, student loans, credit cards and other loans, using today's balances.
- Read your results: net worth, total assets and liabilities, debt-to-asset ratio and the category donuts update as you type.
- Save a snapshot with today's date (or any date) to build a history, ideally once a month or quarter.
- Export or copy your statement as CSV for a spreadsheet, or come back later: everything is remembered in this browser.
Net worth formula and example
Net worth = total assets − total liabilities. The example loaded in the calculator works out like this:
| Assets | Value | Liabilities | Balance |
|---|---|---|---|
| Checking + savings | $23,000 | Mortgage | $280,000 |
| Brokerage account | $25,000 | Car loan | $12,000 |
| 401(k) | $60,000 | Student loan | $20,000 |
| Home (market value) | $350,000 | Credit card | $2,500 |
| Car | $18,000 | ||
| Total assets | $476,000 | Total liabilities | $314,500 |
Net worth is $476,000 − $314,500 = $161,500. The debt-to-asset ratio is $314,500 ÷ $476,000 = 66.1%, mostly because of the mortgage, and liquid net worth (cash + brokerage) is $48,000.
Median net worth by age (United States)
From the Federal Reserve's Survey of Consumer Finances 2022 (published October 2023), median net worth of families by age of the head of household, in 2022 dollars:
| Age | Median net worth |
|---|---|
| Under 35 | $39,000 |
| 35–44 | $135,600 |
| 45–54 | $247,200 |
| 55–64 | $364,500 |
| 65–74 | $409,900 |
| 75 and over | $335,600 |
| All families | $192,900 |
The median is the middle family. The mean (average) is far higher, about $1.06 million, because a small number of very wealthy households pull it up, so the median is the better benchmark.
How to grow your net worth
- Pay down high-interest debt first. Every dollar of credit card debt repaid raises net worth by a dollar and saves interest; plan it with the debt payoff calculator.
- Automate saving and investing with a budget and a savings goal.
- Value assets honestly. Use resale values for cars and conservative estimates for your home so the trend is real.
- Track the trend: save a snapshot every month or quarter and focus on the direction rather than daily market moves.
Frequently asked questions
How do you calculate net worth?
Net worth = total assets − total liabilities. Add up the current value of everything you own (cash, investments, retirement accounts, home, car, valuables) and subtract everything you owe (mortgage, loans, credit card balances). The result can be negative, which is common early in a career or with student loans.
Should I include my home and car in net worth?
Yes, include your home at a realistic market value and subtract the mortgage balance; the difference is your home equity. Cars count at their current resale value, not the purchase price. Because these are hard to sell quickly, many people also track liquid net worth, which this calculator shows as cash plus investments.
What is a good debt-to-asset ratio?
The debt-to-asset ratio is total liabilities ÷ total assets. Below about 30% is generally considered low leverage, 30–60% moderate and above 60% high; above 100% means you owe more than you own. A new mortgage alone often pushes the ratio high, and it falls as you pay it down.
Should I count retirement accounts at their full balance?
Most people list the full current balance. Withdrawals from pre-tax accounts like a traditional 401(k) or IRA will be taxed, so for a conservative view you can enter them after an estimated tax rate, or keep them in their own category and judge them separately.
How often should I calculate my net worth?
Monthly or quarterly is enough. Net worth moves with markets and house prices, so the long-term trend matters more than any single month. Save a snapshot each time to see the trend in the history chart.
Is my financial data safe?
Yes. Everything is calculated and stored in your own browser (local storage) on this device. Nothing is uploaded or sent anywhere; clearing your browser data or using a private window removes it.