Net Worth Calculator
ASSETS
LIABILITIES
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It is the most comprehensive snapshot of personal or business financial health at a single point in time.
Tip: Track net worth monthly rather than obsessing over daily investment changes. The trend over 12 months is far more informative than any single snapshot.
- 1List all assets: cash, investments, property, vehicles, valuables
- 2List all liabilities: mortgages, loans, credit card balances, taxes owed
- 3Sum each category separately
- 4Net worth = Total assets − Total liabilities
Negative net worth
A negative net worth is common for recent graduates with student loans but good income prospects. The trend matters more than the absolute number.
Illiquid assets
Home equity and pension funds count toward net worth but cannot be accessed instantly — keep liquid assets separate in your planning.
Fun Fact
According to the Federal Reserve, the median net worth of US families in 2022 was approximately $192,700, while the average (mean) was $1,063,700 — showing how a small number of very wealthy households skew the average.