Net worth calculator
Enter what you own and owe, see your net worth.
How do I calculate my net worth?
Add up what you own and subtract what you owe. $25,000 in savings and investments, $60,000 in retirement accounts and a $350,000 home, minus a $250,000 mortgage and $15,000 of other debts, is a net worth of $170,000.
What counts as an asset?
Cash, savings, investments, retirement accounts, and what your home, vehicles and other valuables would sell for today.
What counts as a debt?
Everything you still owe: mortgage, car and student loans, credit card balances and other loans.
Can net worth be negative?
Yes — when debts are larger than assets, which is common early in a career with student loans.
Should I include my car?
Yes — at what it would sell for today, with any car loan listed as a debt. Vehicles usually lose value each year.
What is a good net worth for my age?
There is no single target. In the Federal Reserve’s 2025 Survey of Consumer Finances, the median net worth of all U.S. families was $215,900 and the mean was $1,241,500, so a few very wealthy families pull the average far above the middle. The Fed also notes that net worth tends to rise and then plateau or decline over the life cycle. Use these figures as context, not as a goal; your own trend over time is the better comparison.
Does paying off a debt raise my net worth?
Not by itself. If you pay a $5,000 credit card balance from savings, your assets and debts both fall by $5,000 and your net worth stays at $170,000. It rises later, because you stop paying interest on that debt. Net worth changes when asset values change, when you earn and save more than you spend, or when interest and fees add to what you owe.
How net worth is measured
Net worth is total assets minus total liabilities. The Federal Reserve’s Survey of Consumer Finances defines it as the difference between families’ gross assets and their liabilities, measured at the time of the interview. This page adds the six asset lines and the five debt lines you fill in and subtracts. Accounts and loans are entered at today’s balances, the home and vehicles at an estimate of what they would sell for. It does not subtract taxes that would be due on selling an investment or withdrawing from a retirement account, nor selling costs.
Worked example: $435,000 of assets, $265,000 of debts
Assets are $10,000 cash, $15,000 investments, $60,000 retirement accounts and a $350,000 home, $435,000 in all. Debts are a $250,000 mortgage, $10,000 of student loans and $5,000 on credit cards, $265,000 in all. Net worth is $170,000, and debts are 60.9% of assets. Home equity ($350,000 − $250,000 = $100,000) is more than half of it, and only $25,000 is in cash and investments. A 10% fall in the home’s value would cut net worth by $35,000 to $135,000.
Common mistakes
The most common one is valuing the home at what you paid or hope to get rather than a realistic sale price, which moves net worth by the same amount as the error. Leaving out debts, such as a balance on a store card, a personal loan or money owed to family, overstates the result. Counting a retirement account at full value without remembering that it is not all spendable cash is another, since this page makes no tax adjustment.
Sources: Board of Governors of the Federal Reserve System, Changes in U.S. Family Finances from 2022 to 2025 (Survey of Consumer Finances, released October 9, 2026): net worth as the difference between gross assets and liabilities, the 2025 median and mean for all families, and how net worth varies with age and income. The sum itself needs no source: assets minus debts. See the budget calculator, the debt payoff calculator, the savings goal calculator and the retirement calculator.
Estimates for planning only — not financial advice. How we check our calculators.