Net Worth Calculator
Calculate your net worth by tracking all assets and liabilities.
Assets
Mortgage Balance
Asset Allocation
Debt Breakdown
Net Worth: Complete Guide
What is Net Worth
Net worth is total assets minus total liabilities. It is the single best measure of overall financial health.
Average by Age
Median US net worth: under 35 (~$14K), 35-44 (~$91K), 45-54 (~$169K), 55-64 (~$213K), 65-74 (~$266K).
How to Grow
Increase assets (higher income, consistent investing) and decrease liabilities (pay down high-interest debt).
Practical Example
35-Year-Old Professional
Assets: Home $300K + Investments $80K + Savings $25K + Other $15K = $420,000.
Liabilities: Mortgage $200K + Student $30K + Cards $5K + Other $10K = $245,000.
Net worth: $175,000. Debt ratio: 58.3%.
Frequently Asked Questions
What is a good net worth for my age?
Median at 35-44 is about $91,000. Focus on your trend rather than comparing.
Include my car?
Yes, at current market value. Use Kelley Blue Book for accurate valuations.
How often to calculate?
Quarterly is ideal. Monthly can be noisy. Annual at minimum.
Healthy debt-to-asset ratio?
Below 50% is healthy. Below 30% is excellent. Above 80% suggests over-leverage.
Include retirement accounts?
Yes. Include 401(k), IRA, and pension values as assets.
Estimates only. Asset values fluctuate. Consult a financial advisor.
📚 References
- Federal Reserve - Net Worth by Age (federalreserve.gov)
- Bureau of Labor Statistics - Consumer Expenditure (bls.gov)