Net Worth Calculator
See your complete financial picture in seconds — enter your assets and liabilities to instantly calculate your net worth, visualise your assets-to-debt ratio, and identify where your money is working hardest. Free, private, and nothing leaves your device.
Assets — What You Own
Liabilities — What You Owe
Results are estimates based on the values you enter and are for informational purposes only — not financial advice. Asset values (real estate, investments) fluctuate; update this calculator regularly for an accurate picture. Consult a qualified financial adviser for personalised guidance.
For informational purposes only — not financial advice. Results reset when you close this tab.
How It Works
Add your assets
Enter the current market value of everything you own — cash, investments, retirement accounts, real estate, and vehicles. Rename or remove any row to match your situation.
Add your liabilities
Enter the outstanding balance of every debt — mortgage, car loan, student loans, credit cards, and any other obligations. Use the remaining balance, not the original loan amount.
See your net worth
Net Worth = Total Assets − Total Liabilities. The result card updates instantly — green for positive, red for negative — along with a stacked bar showing your assets-to-debt ratio.
Analyse the breakdown
The per-item tables show each asset and liability as a percentage of its category total, helping you spot where your wealth is concentrated and which debts to tackle first.
How to Use the Net Worth Calculator
- Enter the current market value of each asset — use today's price, not what you paid.
- Enter the outstanding balance (not original loan amount) of each liability.
- Rename or delete default rows, or click "Add asset" / "Add liability" to add custom rows.
- Read the net worth summary card to see your total at a glance.
- Use the breakdown tables to understand your asset mix and prioritise debt repayment.
Net Worth Formula
Your net worth is calculated using a simple formula:
Net Worth = Total Assets − Total Liabilities
A positive result means your assets exceed your debts — a healthy position. A negative result means you owe more than you own, which is common early in life (e.g. after taking on a student loan or mortgage) and does not mean you are in financial trouble, provided your trajectory is improving.
What to Include
| Category | What to include | Value to use |
|---|---|---|
| Cash & Savings | Checking, savings, money market accounts | Current balance |
| Investments | Stocks, ETFs, mutual funds, bonds, crypto | Today's market value |
| Retirement Accounts | 401(k), IRA, Roth IRA, pension value | Current account balance |
| Real Estate | Primary home, investment properties | Current market value (not purchase price) |
| Vehicles | Cars, motorcycles, boats | Current resale / trade-in value |
| Mortgage | Home loan | Remaining balance owed |
| Car Loan | Auto financing | Remaining balance owed |
| Student Loans | Federal and private student debt | Total outstanding balance |
| Credit Card Debt | All card balances | Current total balance |
Net Worth by Age — General Benchmarks
Net worth benchmarks vary widely by income and cost of living. The following figures are drawn from US Federal Reserve data (Survey of Consumer Finances) and represent median household net worth by age group:
| Age Group | Median US Net Worth | General guidance |
|---|---|---|
| Under 35 | ~$39,000 | Focus on building an emergency fund and paying down high-interest debt |
| 35–44 | ~$135,000 | Maximise retirement contributions; grow investment portfolio |
| 45–54 | ~$247,000 | Peak earning years; prioritise mortgage paydown and diversification |
| 55–64 | ~$364,000 | Shift to capital preservation; model retirement income needs |
| 65+ | ~$409,000 | Manage drawdown strategy; consider RMDs and estate planning |
These are median figures — half of households in each group have a lower net worth, half have a higher one. Use them as a rough orientation, not a rigid target.
How to Grow Your Net Worth
- Increase assets: Contribute regularly to retirement accounts (401k, IRA), build an investment portfolio, and pay down your mortgage to build equity.
- Reduce liabilities: Prioritise high-interest debt (credit cards, personal loans) first using the avalanche method — pay minimums on all debts and put every spare dollar toward the highest-APR balance.
- Track it annually: Calculate your net worth at the same time each year. Consistent upward movement — even slowly — is the most important indicator of financial health.
- Avoid lifestyle inflation: As income grows, resist the urge to increase spending proportionally. Channel raises and bonuses into assets rather than liabilities.
- Protect your assets: Adequate insurance (health, home, auto, life) prevents a single event from wiping out years of accumulated wealth.
Important disclaimer: This calculator is for informational and planning purposes only and does not constitute financial, tax, investment, or legal advice. Asset valuations (real estate, investments) fluctuate; update your inputs regularly for an accurate picture. Consult a qualified financial adviser for personalised guidance.
Frequently Asked Questions
Is my financial data stored or shared?
No. Every calculation runs locally in your browser using JavaScript. Nothing you type is ever sent to or stored on any server. Closing the tab clears everything.
What is net worth?
Net worth is everything you own (assets) minus everything you owe (liabilities). A positive net worth means your assets exceed your debts. A negative net worth — common early in a career after a mortgage or student loans — means your debts exceed your assets for now.
What should I include as assets?
Use current market values: bank account balances, investment portfolio values (stocks, ETFs, funds), retirement account balances (401k, IRA), the current resale value of real estate (not purchase price), and vehicle resale values. Include any other property with significant monetary value.
What should I include as liabilities?
Use the outstanding balance — not the original loan amount — of every debt: remaining mortgage balance, car loan balance, student loan balance, total credit card balance, personal loan balances, and any other obligations.
Does the calculator save my data between sessions?
No data is saved between sessions. The calculator resets every time you open the page, which is intentional to protect your financial privacy. For ongoing tracking, consider noting your net worth total and recalculating annually or quarterly.
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