Net Worth Calculator
Net worth is the single best scoreboard for your financial life: everything you own minus everything you owe. Track it quarterly to see your real progress.
Net Worth
$233,000
Total Assets
$505,000
Total Liabilities
$272,000
Debt-to-Asset Ratio
53.9%
Asset Allocation
Liability Breakdown
Net worth
Net Worth = Total Assets − Total LiabilitiesAssets are valued at what they would sell for today; liabilities are current payoff balances.
How It Works
- 1List assets at realistic market value — what you could actually sell them for today.
- 2Liabilities are current balances, not monthly payments.
- 3A negative net worth is common early in a career (student loans); the trend matters more than the level.
Frequently Asked Questions
Should I include my home?
Yes — include its market value as an asset and the mortgage as a liability. Some people also track a "liquid net worth" that excludes home equity.
How often should I calculate net worth?
Quarterly or monthly. Frequent enough to see trends, infrequent enough to ignore market noise.
What is the average net worth?
U.S. median household net worth is roughly $190k (Federal Reserve SCF, 2022), varying enormously by age. Your own trajectory is the better benchmark.
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