Net Worth Calculator

Calculate your net worth by totaling assets and subtracting liabilities.

Updated April 2026

Assets

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Liabilities

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2025 Data
IRS-Sourced
Free Forever

How It Works

01

Enter Your Assets

List all your assets: cash, investments, real estate, and vehicles.

02

Enter Your Liabilities

Add up your debts: mortgage, car loans, credit cards, student loans.

03

See Your Net Worth

Assets minus liabilities = your net worth. Track it over time.

What Is Net Worth and Why Does It Matter?

Net worth = Total Assets − Total Liabilities. It's the single most comprehensive snapshot of your financial health. Unlike income, which is a flow, net worth is a stock — it captures the accumulated result of your earning, spending, saving, and borrowing decisions over your lifetime.

Median US Net Worth

The median US household net worth is ~$192,000 (Fed 2022). Under 35: ~$39K. Ages 55–64: ~$365K. Home equity is the largest asset for most households.

Liability-to-Asset Ratio

Below 40% is generally healthy. Above 80% signals financial stress. A ratio above 100% means negative net worth — more debt than assets.

Track Quarterly

Calculate net worth every 3 months. Growth over time matters more than the absolute number. Even small positive trends compound significantly over a decade.

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Disclaimer: For informational purposes only. Not tax, legal, or financial advice.