Net Worth Calculator
Assets minus debts — with home equity, liquid net worth, and where your wealth actually sits
Related calculators
All finance- Compound Interest CalculatorSee how compound interest grows your savings over time
- Savings Goal CalculatorFind out how much to save each month to reach your goal
- Emergency Fund CalculatorCalculate how much emergency savings you need and when you'll reach it
- CD CalculatorCertificate of deposit growth at any APY, with early-withdrawal penalty math
- Rule of 72 CalculatorYears to double your money — the shortcut plus the exact answer
- Inflation CalculatorDollar value between any two years (1913–2025) with official BLS CPI data
Quick summary
Net worth is everything you own minus everything you owe. Total assets (cash, investments, retirement accounts, home, vehicles) and subtract liabilities (mortgage, loans, cards). The breakdown matters as much as the number: liquid net worth excludes home and vehicle equity — the wealth you could deploy without selling your house — and the asset bars show whether your net worth is dangerously concentrated in one place.
Reviewed by Simple Calculators TeamLast reviewed
For planning only — not financial or tax advice. Results are estimates based on your inputs and the stated assumptions. Confirm important decisions with a qualified professional.
How to use this calculator
- Enter the inputs requested by the calculator.
- Choose the units or options that match your situation and review the assumptions.
- Run or update the calculation to see the result.
- Review the result, breakdown, and formulas shown on the page.
- Check the inputs, units, dates, and limitations before saving or sharing the result.
Frequently asked questions
How do I calculate my net worth?
List assets at current market value (checking/savings, brokerage, 401(k)/IRA, home per a realistic estimate, cars at trade-in value), list debts at payoff balances, subtract. Do it consistently — same sources, same time each quarter — because the trend is the real signal.
What is a good net worth for my age?
Per Federal Reserve survey data, US median net worth runs roughly: under 35 ≈ $39k, 35–44 ≈ $135k, 45–54 ≈ $247k, 55–64 ≈ $364k. A common benchmark formula is age × pre-tax income ÷ 10. Medians beat averages here — averages are dragged upward by the very wealthy.
What counts as liquid net worth?
Net worth minus equity locked in your home and vehicles — essentially cash plus investments (retirement accounts are semi-liquid; penalties apply early). It's the honest measure of financial flexibility: a $500k net worth that's $450k of house equity behaves very differently from $450k in index funds.
Should my house count in my net worth?
Yes for the balance sheet — home equity is real wealth. But treat it separately in planning: you live in it, it costs money to hold, and accessing the equity means selling, downsizing, or borrowing. That's exactly why this calculator reports both total and liquid figures.
Key terms
- Net Worth
- Total assets minus total liabilities — the balance-sheet bottom line.
- Liquid Net Worth
- Net worth excluding home and vehicle equity — deployable wealth.
- Home Equity
- Home value minus mortgage balance — usually the largest single asset line for homeowners.
- Debt-to-Asset Ratio
- Liabilities ÷ assets — under ~50% is typical for homeowners with a mortgage; the ratio should fall over time.
Methodology, sources & limitations
This page shows the formula, assumptions, and limitations used for this estimate. Rates, thresholds, and other time-sensitive inputs can change, so verify them against the relevant official source before relying on a result.
For our review approach and the primary sources we consult, see the methodology and source policy. If you spot an outdated figure or formula, please contact us with a correction.