Net Worth Calculator
Calculate your net worth by entering assets (savings, investments, real estate, vehicles) and liabilities (mortgage, student loans, auto loans, credit cards).
Checking, savings, money market accounts
401(k), IRA, brokerage, stocks, crypto
Current market value of property you own
Current market value of cars, boats, etc.
Jewelry, collectibles, business ownership, etc.
Remaining balance owed on home loans
Federal and private student loan balances
Outstanding car loan balances
Total credit card balances owed
Personal loans, medical debt, etc.
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Frequently asked questions
What is a good net worth by age?
The Fidelity rule of thumb: by 30, have 1x annual salary saved; by 40, 3x; by 50, 6x; by 60, 8x; by 67 (retirement), 10x. The Federal Reserve's 2022 Survey of Consumer Finances shows US median net worth by age: under 35 = $39,040; 35-44 = $135,300; 45-54 = $247,200; 55-64 = $364,270; 65-74 = $409,900.
Should I include home equity in my net worth?
Yes — net worth traditionally includes all assets at current market value, including your home. Home equity = market value minus remaining mortgage balance. However, your home is illiquid (you cannot sell a room to pay a bill), so some financial planners also track liquid net worth separately (excluding primary residence). Both measures are useful; just be consistent when tracking over time.
How can I increase my net worth?
Two levers: grow assets and shrink liabilities. Asset growth: maximize 401(k) contributions (especially employer match — it is an instant 50-100% return), open a Roth IRA, invest in low-cost index funds, build home equity. Liability reduction: attack high-interest debt first (credit cards typically 20-29% APR), refinance student loans if the rate is above 5%, avoid new consumer debt. Small consistent actions compound significantly over 10-20 years.