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Net Worth Calculator

What Is Net Worth and Why Does It Matter?

Net worth is the single most comprehensive snapshot of your financial health. It answers one question: if you sold everything you own and paid off every debt, how much would be left? Unlike income (what comes in) or credit score (how responsibly you borrow), net worth shows the full picture — what you've actually accumulated. A high income with massive debt can produce a negative net worth. A modest income with disciplined saving can build real wealth.

Assets vs Liabilities: What to Include

Assets are everything you own that has monetary value: cash in the bank, investments in your brokerage account, the current market value of your home and vehicles, retirement account balances, and business equity. Liabilities are everything you owe: your mortgage balance, auto loans, student loans, credit card balances, and any other debt. Note that your home's full market value is an asset, but your mortgage is a separate liability — the difference (equity) contributes positively to net worth.

Perguntas Frequentes

Should I include my home in my net worth?

Yes — your home's current market value is an asset, and your remaining mortgage is a separate liability. The difference (home equity) adds to net worth. However, also track your 'investable net worth' excluding home equity, since you can't easily spend home equity in retirement without selling or borrowing against it.

What is a good net worth for my age?

Fidelity's benchmarks: by 30, aim to have saved 1x your annual salary. By 40: 3x. By 50: 6x. By 60: 8x. For US medians: the Federal Reserve finds median net worth near $35,000 for ages 25-34, $135,000 for 35-44, $250,000 for 45-54, and $400,000 for 55-64. Top 10% at each bracket is 5-10x higher.

Is a negative net worth bad?

It's extremely common and not necessarily bad — especially for people under 35 with student loans. The critical question is: is your net worth improving? Someone with -$30,000 net worth who's paying off debt and building retirement savings is in a better trajectory than someone with $20,000 net worth but no savings and growing credit card debt.

Should I count my 401(k) at its full value?

For calculating net worth: yes, use the full current balance. For retirement planning: mentally discount it by 20-30%, because traditional 401(k) and IRA withdrawals are taxed as ordinary income. Roth accounts are more valuable because withdrawals are tax-free — some people include them at full value and note the tax advantage separately.

What is a healthy debt-to-asset ratio?

Below 30% is generally considered healthy. 30-50% is moderate and manageable for most people. Above 50% — especially if concentrated in high-interest debt — is a warning sign. Young adults with mortgages often have ratios of 40-60%, which is normal since homes are a major asset with corresponding debt.

How often should I calculate my net worth?

Quarterly is the sweet spot for most people. Monthly can create anxiety from normal market fluctuations. Annually is too infrequent to catch problems or celebrate progress. Many people calculate monthly if they're aggressively paying down debt or building wealth, and quarterly once they've reached financial stability.