Net Worth Calculator
Add up your assets and subtract your liabilities to find your net worth. Track cash, investments, property, and debts in one place.
Assets
Liabilities
Net Worth
$130,000
Total Assets
$440,000
Total Liabilities
$310,000
Assets vs Liabilities
Frequently Asked Questions
What counts as an asset?
An asset is anything you own that has monetary value. This includes cash and bank balances, investment accounts (brokerage, stocks, mutual funds), retirement accounts (401k, IRA, pension), real estate you own, vehicles, and other valuables like jewelry or collectibles. Use current market value, not purchase price.
Should I include my home and mortgage in net worth?
Yes — your home's current market value belongs in assets, and the outstanding mortgage balance belongs in liabilities. The difference between those two figures is your home equity, which contributes positively to net worth as long as your home is worth more than you owe.
What is a good net worth for my age?
A common rule of thumb is to target a net worth of roughly your annual salary by age 30, three times your salary by 40, and six times by 50. However, net worth varies widely based on income, cost of living, and life choices. More important than any benchmark is a consistent upward trend — growing net worth over time means you are building wealth.