💰 Net Worth Calculator
Calculate net worth from assets and liabilities
Assets
Liabilities
How Net Worth Calculation Works
Formula
Net Worth = Total Assets − Total Liabilities
- 1List all your assets: cash, savings, investments, property, vehicles, etc.
- 2List all your liabilities: mortgage, loans, credit card debt, etc.
- 3The calculator sums all assets and all liabilities separately.
- 4Liabilities are subtracted from assets to find net worth.
- 5A breakdown by category shows where your wealth is concentrated.
About Net Worth Calculator
Calculate your personal net worth by listing all assets and liabilities. Track your financial progress over time. Includes categories for savings, investments, property, and debts.
Frequently Asked Questions
What is a good net worth?
A common benchmark: by age 30, aim for 1× your annual salary. By 40, 3×. By 50, 6×. By 60, 8×. By 67, 10×. However, these are averages — your target depends on lifestyle, location, and retirement goals.
Should I include my home in net worth?
Yes, include your home's current market value as an asset and your mortgage balance as a liability. Some advisors also track 'investable net worth' which excludes your primary residence.
Can net worth be negative?
Yes. If your debts exceed your assets, you have negative net worth. This is common for recent graduates with student loans. It's not permanent — consistent saving and debt repayment will turn it positive.