Net Worth Calculator
Calculate your total net worth by listing your assets and liabilities. The clearest picture of your financial health.
Assets
Liabilities
Total assets
$80,000
Total liabilities
$28,000
Net worth
$52,000
Positive net worth ✓
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Why net worth is the best measure of financial health
Income tells you how much flows in. Net worth tells you how much you've built. Two people can earn the same salary but have wildly different net worths depending on their saving, investing, and debt habits. Net worth is the single best indicator of financial progress over time.
The formula is simple: net worth = assets − liabilities. Assets are things you own that have value (cash, investments, property). Liabilities are amounts you owe (loans, credit cards, mortgages).
Tracking net worth over time
Calculate your net worth every 3–6 months and track the trend. Short-term fluctuations in investment values are noise — the direction over years is what matters. A consistently rising net worth, even slowly, means your financial life is moving in the right direction.
Average net worth benchmarks
According to the Federal Reserve's Survey of Consumer Finances, median US household net worth is around $192,700. But this varies enormously by age. In your 30s, $100k+ is solid. By 40, many financial plans target 3× your annual salary. Don't compare to averages — compare to your own past.