Net Worth Calculator
Enter what you own (assets) and what you owe (liabilities).
Net worth is a snapshot, not a story
Net worth equals everything you own minus everything you owe. It's the cleanest single number for financial progress: it captures investment gains, debt reduction, and equity building all in one. Tracking it monthly or quarterly surfaces patterns your income statement hides — like why your bank balance isn't growing even though you're earning more.
Watch the trajectory, not the absolute number. A steady upward trend matters more than any single data point. Market swings can move the number by tens of thousands in a month; that's noise. The 3-month moving average is the signal.
Frequently asked questions
What counts as an asset?
Anything with liquid or easily-valued market worth: cash, investments, retirement accounts, home value (at current market, not purchase price), vehicle resale value. Generally exclude things like collectibles, private business stakes without clear valuation, and personal property (furniture, clothes) unless high-value.
Should I count my home equity?
Yes — it's your most significant illiquid asset for most people. Use current market value minus mortgage balance. Just remember that equity you can't access without selling or refinancing is different from liquid net worth. Some people track both: 'total net worth' and 'liquid net worth.'
What are typical net worth milestones?
Often-cited benchmarks: 1× salary saved by age 30, 3× by 40, 6× by 50, 10× by 67. Median US household net worth: ~$193,000 total, ~$41,000 excluding home equity. The gap between 'net worth' and 'liquid assets' is often what separates house-rich from truly wealthy.
How often should I update this?
Monthly is ideal for tracking trends without overreacting to market noise. Quarterly is fine. Annual is the minimum to catch major shifts. The key insight isn't the absolute number — it's the trajectory month over month.
Advertisement
728 × 90