Net Worth Calculator
Free net worth calculator to total your assets, subtract your debts, and see your net worth instantly. Includes net worth by age benchmarks and a full asset and liability breakdown.
Asset Allocation
Asset Summary
| Item | Amount |
|---|
Liability Summary
| Item | Amount |
|---|
How This Is Calculated
Net worth is total assets minus total liabilities. Liquid net worth excludes home value, other real estate, vehicles, and other illiquid assets, then subtracts all debts. Age benchmarks use Federal Reserve Survey of Consumer Finances medians and averages.
Everything behind the Net Worth Calculator
Formulas, reference charts, and detailed answers — expand any section you need.
Net Worth by Age: Median and Average Benchmarks
| Age Bracket | Median Net Worth | Average Net Worth |
|---|---|---|
| Under 35 | ~$39,000 | ~$183,000 |
| 35 to 44 | ~$135,000 | ~$549,000 |
| 45 to 54 | ~$247,000 | ~$975,000 |
| 55 to 64 | ~$364,000 | ~$1,566,000 |
| 65 to 74 | ~$410,000 | ~$1,780,000 |
Federal Reserve Survey of Consumer Finances data; the calculator labels its data year on the page.
Net Worth Calculator: What Am I Actually Worth?
This net worth calculator totals everything you own, subtracts everything you owe, and shows the result with no account linking and no signup. Itemize your assets by category, cash, investments, retirement, home, and vehicles, then your debts, and the net worth calculator displays your total net worth, your liquid net worth, and how your assets are allocated, all updating live as you type.
Example: $340,000 in total assets against $210,000 in combined mortgage and loan balances is a net worth of $130,000.
How to Calculate Net Worth
To calculate net worth, add the current value of everything you own (bank balances, investment and retirement accounts, home value, vehicles) and subtract every debt (mortgage, auto loans, student loans, credit cards). The formula is assets minus liabilities, and the honesty is in the inputs: use realistic resale values for vehicles and current market value for the home, not purchase prices. The net worth calculator structures the categories so nothing gets forgotten.
Liquid Net Worth Calculator: Excluding Your Home
A liquid net worth calculator strips out home equity, vehicles, and other assets you can't spend without selling, leaving the money actually reachable: cash, brokerage, and (with penalties) retirement accounts. The gap is usually large, a $400,000 total net worth is often under $100,000 liquid, and knowing both numbers is the difference between feeling wealthy on paper and being prepared for a real emergency.
Net Worth Calculator With Negative Results
A negative net worth simply means debts currently exceed assets, and it's the normal starting position for early careers carrying student loans. The net worth calculator shows the negative figure plainly and the debt-to-asset ratio beside it, because the trend matters more than the sign: the same inputs revisited each quarter turn one snapshot into a direction.