Net Worth Calculator
Use this free net worth calculator to add up your assets, subtract your debts, and see how you compare with Federal Reserve benchmarks. In the calculator above, enter your cash, investments, retirement accounts, home equity, and vehicles, then add your mortgages, loans, and credit card balances.
In seconds, you will see your total net worth, your liquid net worth, and your debt-to-asset ratio.
Net Worth calculators
How it works
Net worth equals everything you own minus everything you owe. The Federal Reserve's 2022 Survey of Consumer Finances reports median net worth that rises sharply with age: $39,000 under 35, $135,600 at 35–44, $247,200 at 45–54, $364,500 at 55–64, $409,900 at 65–74, and $335,600 at 75 or older. The median is the better yardstick than the average (mean), because a small number of very wealthy households pulls the average sharply higher.
Take a sample household with a 40-year-old head: $550,000 in total assets ($15,000 cash, $40,000 taxable investments, $120,000 retirement, $350,000 home, $25,000 vehicles) and $296,000 in total debts ($250,000 mortgage, $18,000 auto, $22,000 student loans, $6,000 cards). Net worth is $254,000, about $118,400 above the 35–44 median of $135,600. Liquid net worth, however, is -$241,000 because only $55,000 of those assets are liquid. That gap is why homeowners often look wealthier than they feel. Learn the full method on how to calculate net worth. Households crossing the seven-figure mark often start weighing professional help — see our guide on how to choose a financial advisor for what to look for.
Know your net worth — now protect it for your family. Once you cross a few hundred thousand in combined assets (especially with kids or cross-state property), a will alone stops being enough and the calculus flips to probate avoidance, guardianship, and — above roughly $15M federal or a state estate tax threshold — estate tax planning. Our estate planning calculator maps your specific net worth and family situation to the right plan tier (simple will, complex will, revocable trust, or full estate plan), and the estate tax calculator shows your federal + state exposure using the 2026 numbers.
Frequently asked questions
What is a net worth calculator?
A net worth calculator totals your assets and subtracts your liabilities to show what you would have left if you sold everything and paid off every debt. The calculator above does this instantly and benchmarks the result against Federal Reserve median net worth data by age.
What is a good net worth for my age?
A good benchmark is the Federal Reserve SCF median for your age bracket: $39,000 under 35, $135,600 at 35–44, $247,200 at 45–54, $364,500 at 55–64, and $409,900 at 65–74. See age-by-age targets in our net worth by age calculator.
Why is mean net worth so much higher than median?
Mean net worth is much higher than median because wealth in the U.S. is heavily skewed toward the top. A small share of ultra-wealthy households pulls the average up, so the median is the better yardstick for a typical family.
What is liquid net worth and why does it matter?
Liquid net worth counts only assets you can convert to cash quickly, like checking, savings, and taxable investments, minus your total debt. It often surprises homeowners because home equity and retirement accounts are not liquid. Try the liquid net worth calculator for the full picture.
What counts as an asset versus a liability?
Assets are things you own with cash value: bank accounts, investments, retirement accounts, real estate, and vehicles. Liabilities are debts you owe: mortgages, auto loans, student loans, and credit card balances. The calculator above walks you through each category.
How often should I recalculate my net worth?
Recalculate your net worth once a quarter. That cadence catches investment swings, debt paydown, and home value changes without becoming noise. Bookmark the calculator above, or if you'd rather build your own running spreadsheet, see our net worth spreadsheet template guide. For a broader comparison of calculators and linked-account tracking apps, see best net worth tracking tools. Not sure which calculator to run first, or how they connect to each other? See how to use a financial planning calculator. Or browse more tools at our calculator hub.
Why does net worth matter?
Net worth matters because it nets out everything you own against everything you owe, which reads your financial position more clearly than income alone. Two people earning the same salary can carry very different net worth, since one may hold high debt and low savings while the other has paid down debt and built assets. Tracking the number over time shows whether you're actually building wealth or just moving money around, because a rising net worth means assets are growing faster than debt. For how your own number compares to others your age, see our net worth by age calculator.
How does net worth relate to retirement readiness?
Net worth relates to retirement readiness through your invested assets specifically, not your total net worth. Home equity and a paid-off car count toward net worth but don't produce retirement income unless you sell or borrow against them, so readiness depends on retirement accounts and other invested assets rather than the full total. Run your full retirement plan with our retirement calculator, or check whether your current invested assets have already grown large enough to coast to that number on their own with the Coast FIRE calculator.
Is net worth the same as net income or equity?
Net worth is not the same as net income or equity. Net income measures what you earn over a period like a month or a year after taxes, while net worth is a point-in-time snapshot of your total assets minus all liabilities. Equity measures your ownership stake in a single asset, such as a home value minus its mortgage balance, and it serves as just one input that feeds into your total net worth.
Sources
We prioritize primary sources for rules, formulas, rates, limits, and definitions. See our calculator methodology and editorial policy.