Net Worth Calculator
Calculate your net worth by adding up your assets and subtracting your liabilities. Track your financial health with a clear picture of where you stand.
A net worth calculator is the single clearest snapshot of your financial health: total assets minus total liabilities equals your net worth. Income tells you how much money flowed through your hands this year; net worth tells you how much you actually kept and built. Two people earning $120,000 can have wildly different net worth figures — one at negative $40,000 because of student loans and a car note, the other at $250,000 because they bought a modest home and maxed a 401(k) for a decade. Only the balance sheet reveals that gap.
Use this free net worth calculator to total up what you own (cash, brokerage and retirement accounts, home value, vehicles, other property) and subtract what you owe (credit cards, student loans, auto loans, mortgage balance). The result is one number you can track quarterly. For context on where you stand, the Federal Reserve's Survey of Consumer Finances shows US median net worth of roughly $39,000 for under-35, $135,000 for 35–44, $247,000 for 45–54, $364,000 for 55–64, and $410,000 for 65–74. Means are far higher because top earners skew the average — medians are the honest benchmark.
Why focus on net worth rather than income? Because net worth is the score; income is just one input. A disciplined $65,000 earner who saves 25% will pass a $180,000 earner who spends every dollar within 10–15 years. Tracking this number also sharpens decisions — a $1,200/month car lease suddenly looks different when you see it pulling $14,400 out of your balance sheet annually. This tool is educational, not advice; use it to build awareness, not to benchmark yourself into anxiety.
Quick answer: Net worth equals total assets (cash + investments + property + vehicles) minus total liabilities (debts + mortgage). A typical household with $15,000 cash, $50,000 invested, a $250,000 home, a $20,000 car, $10,000 debt, and a $180,000 mortgage has a net worth of $145,000. Enter your own figures below to calculate yours.
Inputs
Quick presetsInclude checking, savings, money market, HYSA, and short-term CDs (under 12 months). Exclude CDs with early-withdrawal penalties locked beyond 1 year — list those under Investments.
Brokerage accounts, Roth/Traditional IRA, 401(k)/403(b), HSA, 529 plans, taxable index funds, individual stocks, crypto. Use current market balance, not cost basis.
Primary residence plus any rental or vacation property. Use a conservative market estimate: Zillow Zestimate, recent comparable sales, or a broker's BPO. Do not include timeshares.
Cars, trucks, motorcycles, boats, RVs. Use Kelley Blue Book private-party value, not dealer trade-in or original sticker. Refresh annually — vehicles depreciate 15-20% per year.
Credit card balances, student loans, personal loans, auto loans, medical debt, BNPL balances, 401(k) loans. Use current payoff amounts, not original principal.
Current mortgage payoff balance (not original loan). Include HELOC draws, second mortgages, and any home-equity loans. Do not count monthly P&I payments here.
Results
How to use this calculator
Enter every material asset and liability you can reasonably quantify. **Cash & Savings**: checking, savings, money market, and short-term CDs. **Investments**: brokerage accounts, Roth and Traditional IRAs, 401(k)/403(b) balances, HSA balances, and any taxable index fund holdings. Use current balances, not cost basis.
**Property Value**: for your primary residence, use a conservative market estimate — Zillow Zestimates are usually within 5–10%, but comparable recent sales in your zip code are more reliable. Some planners prefer to exclude the primary residence entirely and track "investable net worth" separately, since you can't easily spend your house. **Vehicles**: use Kelley Blue Book private-party value; cars depreciate quickly, so refresh annually.
**Debts**: credit card balances, student loans, personal loans, auto loans, and any outstanding medical debt. **Mortgage Balance**: the current payoff amount, not the original loan size. Note that 401(k) balances are pre-tax — a $200,000 Traditional 401(k) is really worth closer to $150,000 after federal and state tax at withdrawal. Adjust if you want a conservative number.
Worked examples
Maria, 34, renter building a portfolio
Maria rents in Austin and owns no property. She has $22,000 in a high-yield savings emergency fund, $95,000 across a Roth IRA and 401(k), and a $14,000 used Honda. Her only debt is a $9,000 student loan balance. Entering these figures, the calculator returns total assets of $131,000, liabilities of $9,000, and net worth of $122,000. That puts her comfortably above the US median for her age band (~$135,000 including home equity). Her priority is maxing tax-advantaged accounts before thinking about a down payment.
David & Priya, 48, homeowners with kids
The couple owns a $620,000 home with a $310,000 remaining mortgage, $180,000 in combined 401(k)s, $35,000 in a 529 plan, $25,000 cash, two cars worth $42,000 total, and $8,000 in credit card debt. Assets: $902,000. Liabilities: $318,000. Net worth: $584,000. That's above the 45–54 US median, driven largely by home equity ($310,000). Stripping out the house, their "investable net worth" is $274,000 — still healthy, but the framing matters for retirement planning.
Ravi, 24, recent grad with negative net worth
Ravi finished a CS degree last year. He has $3,000 in a checking account, $2,500 in a starter Roth IRA, a 2016 Corolla worth $9,000, and no property. On the liability side: $48,000 in federal student loans, $6,500 on a credit card, and $11,000 remaining on the car note. Assets total $14,500; liabilities total $65,500; net worth is -$51,000. On paper this looks grim, but he earns $92,000 at a first job, has no dependents, and can realistically hit positive net worth within 4 years by aggressively attacking the credit card first (22% APR), then refinancing and chipping away at student loans. Trajectory over snapshot.
Frequently asked questions
Should I use home market value or equity?
Both, but account for them correctly. List the full market value as an asset and the mortgage balance as a liability — the calculator nets them automatically. Home equity alone equals market value minus mortgage. Avoid double-counting.
How do I value a 401(k) — pre-tax or after-tax?
The calculator treats all balances at face value. Traditional 401(k) and IRA balances will be reduced by income tax at withdrawal (typically 15–30% effective). For a more conservative figure, multiply Traditional balances by 0.75 and use that number.
Should I include Social Security?
No. Social Security is a future income stream, not a balance sheet asset — you can't sell or transfer it. Some planners calculate its net present value for retirement planning, but it doesn't belong in net worth.
What about my car?
Include it at current private-party resale value, not original purchase price. A 5-year-old vehicle typically retains 40–50% of its sticker price. Cars are depreciating assets, so revisit the figure annually.
Do I include personal belongings?
Generally no, unless you have significant jewelry, art, or collectibles with documented appraisals. Furniture, electronics, and clothing have near-zero resale value and add noise without signal.
How often should I update this?
Quarterly is the sweet spot. Monthly tracking amplifies market noise; annual is too infrequent to catch problems. Pick a consistent date (e.g., last day of March/June/September/December) and record the number in a spreadsheet.
What's a good net worth by age?
Federal Reserve SCF medians: under-35 about $39K; 35–44 about $135K; 45–54 about $247K; 55–64 about $364K; 65–74 about $410K. A common rule of thumb is to have 1x annual income by 30, 3x by 40, 6x by 50, and 8x by 60.
Why is my net worth negative?
Negative net worth is common in your 20s and early 30s due to student loans and early-career income. It's not a failure — track the trajectory. Most households transition from negative to positive within 5–10 years of starting their career as loans pay down and retirement balances compound.