Add up everything you own and everything you owe to see your true financial picture. Your net worth is the single most important number in personal finance.
Income tells you how much money flows through your hands. Net worth tells you how much you have actually kept. A person earning $200,000 per year with $300,000 in debt and no savings has a lower net worth than someone earning $50,000 with a paid-off car and $40,000 in retirement accounts. The second person is wealthier, even though their paycheck is smaller.
Track it regularly. Calculating your net worth once is useful. Calculating it quarterly or annually is transformative. When you see your net worth increasing over time, every smart financial decision gets reinforced. When you see it stagnant or declining, it creates urgency to change course. Treat this calculator as a financial check-up you schedule every few months.
Average net worth by age (U.S. medians). Under 35: $39,000. Ages 35-44: $135,000. Ages 45-54: $247,000. Ages 55-64: $364,000. Ages 65-74: $409,000. These are median figures from the Federal Reserve Survey of Consumer Finances. If you are below the median for your age group, that is not a reason to panic, it is a starting point for planning. If you are above it, keep going.
This net worth calculator runs entirely in your browser. We do not store, transmit, or see any of the numbers you enter. Your financial data stays on your device.
Suppose your assets add up to $310,000, a home worth $300,000 plus $10,000 in checking and savings, and your liabilities are $250,000, mostly a mortgage with a small car loan. Your net worth is $60,000. The number itself matters less than the direction it moves. If it climbs a few hundred dollars a month, you are quietly building wealth even on an ordinary income. If it slides, that is the early warning most people miss until a crisis forces them to look. A negative net worth, by the way, is common and not a moral failing. New graduates with student loans and new homeowners early in a mortgage often sit below zero. Watch the trend over six to twelve months, not the snapshot.
Should I include my car?
Yes, at its current resale value, not the sticker price you paid. Then list any remaining auto loan as a liability.
Is a negative net worth bad?
Not necessarily. It is common early in adult life, especially with student loans or a fresh mortgage. The trend over time tells you far more than a single snapshot.
How often should I check it?
Once a quarter is plenty. Net worth moves slowly, and checking too often just adds noise.