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Net Worth Calculator

Assets minus liabilities. If this number isn't growing quarter over quarter, something's wrong.

Cash, investments, property, vehicles
Mortgage, loans, credit cards, other debts
💰 Your Net Worth — —
Assets —
Liabilities —
Asset Share —
Liability Share —
These calculators provide estimates for educational purposes only. Results are not guaranteed and should not be treated as financial advice. Always consult a qualified professional before making major financial decisions.

Frequently Asked Questions

What is considered a good net worth by age?

A common benchmark is to have a net worth equal to your annual salary by age 30, 2x by 35, 4x by 45, 6x by 55, and 8–10x by 65. These are rough guides — your actual number depends on income, location, and financial goals.

How do I increase my net worth?

Two levers: increase assets and decrease liabilities. Save more from each paycheck, invest in diversified assets (index funds, real estate), pay down high-interest debt, and avoid lifestyle inflation. Net worth grows fastest when you consistently save 20%+ of income.

Should I include my home equity in net worth?

Yes. Your home's market value minus the remaining mortgage balance is a real asset. However, home equity is illiquid — you can't easily spend it. Track it separately if you want to distinguish liquid net worth (cash, investments) from total net worth.

How often should I calculate my net worth?

Quarterly is ideal for most people. Monthly can be too noisy (market fluctuations, credit card balances). Annual is too infrequent to spot trends. Quarterly reviews let you course-correct while seeing real progress.

Does my car count as an asset for net worth?

Yes, but cars depreciate quickly. Include the Kelley Blue Book or private-party value, not what you paid. Most cars lose 20–30% in the first year and 50%+ over 5 years. If you have a car loan, subtract the balance from the car's value.

Why this matters

Income is vanity. Net worth is sanity. A $100K earner with $200K in debt and no savings is worse off than a $50K earner with $80K in assets and no debt. Track the number that actually matters — and watch it grow quarter over quarter.