Net Worth

assets − liabilities

Total Assets

everything you own

Total Liabilities

everything you owe

Assets — What You Own

Cash & Savings

Investments

Real Estate

Other Assets

Total Assets$0

Liabilities — What You Owe

Mortgage & Real Estate Debt

Loans & Credit

Other Liabilities

Total Liabilities$0

Your Net Worth

Add your assets and liabilities above

Total Assets

everything you own

Total Liabilities

everything you owe

Debt-to-Asset Ratio

lower is better

Solvency Ratio

—

assets ÷ liabilities

Wealth Snapshot

Assets

Liabilities

Net Worth

Net worth is a snapshot in time. Update it quarterly to track your financial progress. This calculator does not save your data — all values are local to your browser session.

Net Worth Calculator — Complete Guide 2026

Net worth is the single most important number in personal finance. It tells you exactly where you stand — and whether you're moving forward.

⚡ US Net Worth Benchmarks — 2026

Under 35Median: ~$39K

35–44Median: ~$135K

45–54Median: ~$247K

55–64Median: ~$364K

65–74Median: ~$410K

Overall median (all ages)~$192K

What Counts as an Asset?

Cash & equivalents: Checking, savings, money market, CDs, cash on hand
Investments: Brokerage accounts, 401k, IRA, Roth IRA, stocks, bonds, crypto
Real estate: Primary home (current market value), rental properties, land
Vehicles: Cars, boats, RVs at current resale value (not purchase price)
Business equity: Your ownership stake in any business
Other: Jewelry, art, collectibles at fair market value

What Counts as a Liability?

Mortgage: Remaining balance on home loans, HELOCs
Auto loans: Outstanding balance on vehicle loans
Student loans: Federal and private student loan balances
Credit cards: Total outstanding balances
Personal loans: Any other borrowed money owed

Should I include my 401k in net worth?+

Yes — include your 401k, IRA, and Roth IRA at their current value. You can note that pre-tax accounts (Traditional 401k/IRA) will be taxed on withdrawal, so some financial planners apply a "tax haircut" of ~25-30% to those balances for a more conservative picture. Either way, they are real assets you own.

Should I include my home in net worth?+

Yes — use the current market value (check Zillow or a recent appraisal), then subtract your remaining mortgage balance. The difference is your home equity, which counts as net worth. Don't use the original purchase price — use today's market value.

How often should I track net worth?+

Quarterly is the sweet spot. Monthly can cause anxiety from short-term market swings. Annually is too infrequent to catch problems early. Set a calendar reminder each quarter — it takes 15 minutes and gives you a clear picture of your financial trajectory over time.

📌 Live Summary

Net Worth$0

Total Assets$0

Total Liabilities$0

Debt-to-Asset0%

Solvency—

💡 Net Worth Tips

→Track quarterly — annual is too slow to catch drift

→Use market values, not what you paid — assets change in value

→Positive net worth at any age is ahead of many Americans

→FIRE target = 25× annual expenses (4% rule)

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