Net Worth Calculator
Add what you own, subtract what you owe. One number tells you which direction your finances are moving — track it quarterly and the trend matters more than the level.
| Total assets | — |
| Total debts | — |
| Liquid net worth (no home/vehicles) | — |
| Debt-to-asset ratio | — |
The one-line formula
Net worth = Everything you own − Everything you owe
Value assets honestly: your car at resale price (not what you paid), your home at a realistic sale price. Negative net worth is normal early on — new graduates with student loans commonly start negative, and the number climbing is what counts.
US median net worth by age (Federal Reserve SCF, rough guide)
| Age group | Median |
|---|---|
| Under 35 | ≈ $39,000 |
| 35–44 | ≈ $135,000 |
| 45–54 | ≈ $247,000 |
| 55–64 | ≈ $364,000 |
| 65–74 | ≈ $410,000 |
Medians include home equity and vary hugely by region and education — use them as loose orientation, not judgment.
Why liquid net worth matters separately
A $400,000 house you live in cannot pay bills. Liquid net worth — cash and investments minus non-mortgage debt — measures actual financial flexibility, and it is the number that funds emergencies and early retirement. Track both quarterly; five minutes with this page and last statements is enough.
Frequently asked questions
How do I calculate my net worth?
Add all assets (cash, investments, home at realistic sale value, vehicles at resale value), subtract all debts (mortgage, loans, cards). The result — positive or negative — is your net worth.
Is a car an asset?
Yes, at current resale value — but a depreciating one. A financed car often nets near zero: a $25,000 car with a $22,000 loan adds only $3,000.
What is a good net worth at 30?
The US median for under-35s is around $39,000, but ranges are wide. A common milestone target: 1× your annual salary saved by 30, 3× by 40 — direction beats comparison.
Should I include my home?
In total net worth, yes (value minus mortgage). Also track liquid net worth without it — home equity is real but cannot buy groceries or fund retirement withdrawals easily.
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Last updated: 2026-07-08