How this calculator works
Net worth is everything you own (cash, investments, retirement accounts, home and vehicles) minus everything you owe. The debt-to-asset ratio divides total debts by total assets.
Worked example
With the example values below: Net worth, $91,000 ($125,000 in assets, $34,000 in debts). Change any number above to run your own.
What you enter
| Input | Example |
|---|---|
| Assets | |
| Cash & checking | $12,000 |
| Investments | $35,000 |
| Retirement accounts | $60,000 |
| Home value | $0 |
| Vehicles | $15,000 |
| Other assets | $3,000 |
| Debts | |
| Mortgage | $0 |
| Car loans | $9,000 |
| Student loans | $22,000 |
| Credit cards | $3,000 |
| Other debts | $0 |
What to include
Use realistic market values, not purchase prices. A car is worth what it would sell for today.
- Assets: cash, savings, investments, retirement accounts, HSA balances, home value, vehicle value and other valuables you could sell.
- Liabilities: mortgage, home equity loans, car loans, student loans, credit card balances, personal loans and any other money owed.
Net worth by age
The Federal Reserve's 2022 Survey of Consumer Finances put median US household net worth at about $193,000, with medians rising with age from roughly $39,000 for households under 35 to over $400,000 for those 65 to 74. Averages are much higher because a small number of households hold large fortunes, so medians are the better comparison.
Your own trend matters more than comparisons. Rising net worth year after year means your plan is working.
Growing your net worth
Net worth rises when you pay down debt, save and invest, and when assets appreciate. Paying off high-interest debt gives a guaranteed return, and regular investing compounds over time; see the investment calculator. Recalculate once or twice a year on the same date.
Frequently asked questions
How do I calculate my net worth?
Add up everything you own at current value, then subtract everything you owe. $350,000 of assets and $210,000 of debts is a net worth of $140,000.
What is a good net worth for my age?
A common rule of thumb is age × pre-tax income ÷ 10. Median household net worth was about $39,000 under 35 and over $400,000 at 65 to 74 in the Fed's 2022 survey.
Should I include my home in net worth?
Yes, at its realistic market value, with the mortgage as a liability. Some people also track net worth without the home to focus on investable assets.
Can net worth be negative?
Yes, when debts exceed assets, which is common early in a career with student loans. Paying down debt and saving turns it positive over time.
What is a debt-to-asset ratio?
Total debts divided by total assets. Below 0.5 is generally healthy; above 1.0 means you owe more than you own.
Grow what this calculator projects.
TruthSayer AI sends quantitative stock signals across valuations, earnings and dark-pool activity, each one traded in its own funded account first.
Estimates for planning only, not financial, tax or legal advice. Tax tools use 2026 federal figures (brackets, $16,100 / $32,200 standard deduction, $19,000 gift exclusion, $15M lifetime exemption). Rates shown as defaults are examples; replace them with quotes you actually receive.