Net Worth Calculator

Calculate your personal net worth — what you own minus what you owe. Enter your assets (savings, property, investments) and liabilities (loans, credit cards, mortgages) to get your complete financial picture.

Net Worth Calculator
Assets (What You Own)
Liabilities (What You Owe)

Net Worth Formula

Net Worth = Total Assets − Total Liabilities Assets include: cash, investments, property, vehicles, valuable possessions Liabilities include: mortgages, car loans, student loans, credit card debt, other loans

Average US Net Worth by Age

Age GroupMedian Net WorthMean Net Worth
Under 35$39,000$183,000
35–44$135,000$549,000
45–54$247,000$975,000
55–64$364,000$1,566,000
65–74$409,000$1,795,000

Source: Federal Reserve Survey of Consumer Finances 2022

Frequently Asked Questions

Is a negative net worth bad?+
Not necessarily — many young people have negative net worth due to student loans. What matters is the trend: is your net worth growing over time? Consistent saving and debt repayment will move it positive.
Should I include my home in net worth?+
Yes — include your home's estimated market value as an asset and the remaining mortgage balance as a liability. The difference is your home equity, which counts toward net worth.

About the Net Worth Calculator

This free net worth calculator helps you get accurate results instantly without needing to work through the math manually. Whether you need a quick estimate or a precise figure, having a reliable tool on hand saves time and reduces errors compared to manual calculation.

How to Use This Calculator

  1. Enter your values in the input fields above. Each field is labeled to guide you.
  2. Double-check your inputs — results are only as accurate as the numbers you enter.
  3. Click the Calculate button to see your result instantly.
  4. Use the result for your planning, budgeting, or decision-making.

Why Accurate Calculations Matter

Small errors in math calculations can compound into significant problems. A 1% miscalculation in a budget or measurement can translate to hundreds or thousands of dollars in wasted resources, or result in having to redo work entirely. This calculator uses the standard formulas and methods to give you reliable results you can trust.

Tips for Getting the Best Results

Frequently Asked Questions

Is this calculator free? Yes — completely free with no account, login, or payment required. Use it as many times as you need.

How accurate are the results? This calculator uses the standard formulas for net worth calculations. Results are accurate for typical use cases. For specialized or high-stakes applications, consult a professional.

Does it work on mobile? Yes. This calculator is fully responsive and works on smartphones, tablets, and desktops.