Calculate your net worth by entering assets and liabilities by category. See your debt-to-asset ratio and a full breakdown — no account or sign-up needed.
Added May 31, 2026
Input
Result
Enter a value for cash & bank accounts to see your result.
Calculates your personal net worth by summing all assets and subtracting all liabilities. Shows a categorised breakdown so you can see where your wealth is concentrated and track changes over time.
Net worth = Total assets − Total liabilities
Total assets of $402,500 minus total liabilities of $294,100 gives a net worth of $108,400.
Inputs
Result
There is no universal answer — it depends heavily on age, income, and cost of living. The US median net worth for people aged 35–44 is around $135,000; for 55–64 it's around $364,000 (Federal Reserve, 2022). A better question: is your net worth trending upward each year?
Yes — your home's current market value is an asset, and your outstanding mortgage balance is a liability. The difference (home equity) is part of your net worth. Just remember that home equity is illiquid; you can't spend it without selling or taking out a loan against it.
Yes, at their current balance. For traditional 401(k) or IRA accounts, some financial planners subtract the estimated future tax liability (typically 15–25%) to get the after-tax net worth — but for simplicity, most people include the full balance.
Quarterly or annually is enough. Monthly calculations are too noisy — stock market swings and real estate estimates make it hard to see the underlying trend. What matters is the direction over 12+ months, not week-to-week variation.
Debt-to-asset ratio is total liabilities divided by total assets, expressed as a percentage. A ratio below 50% means more than half your asset value is unencumbered. Above 100% means you owe more than you own (negative net worth).