Net Worth Calculator
This free net worth calculator adds your assets, subtracts your debts, and shows where you stand against Federal Reserve benchmarks. Enter cash, investments, retirement accounts, home equity, and vehicles, then list mortgages, loans, and credit card balances in the calculator above. You will see your total net worth, your liquid net worth, and your debt-to-asset ratio in seconds.
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.
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 browse more tools at our calculator hub.