Net Worth Calculator
List what you own and what you owe. We total each side and show your net worth, with a quick read on where you stand.
Assets
Liabilities
For context, the Federal Reserve's 2022 Survey of Consumer Finances put the median U.S. household net worth near $192,000 — useful as a rough benchmark, not a target.
Frequently asked questions
What counts as an asset for net worth?
Anything you own that has value: cash and bank accounts, investments (brokerage, 401(k), IRA), the market value of your home and other real estate, vehicles at resale value, and valuable personal property. Use conservative resale estimates, not what you paid.
What counts as a liability?
Everything you owe: mortgage balance, auto loans, student loans, credit card balances, personal loans and any other debt. Use the current payoff balance, not the original amount borrowed.
Why does net worth matter more than income?
Income is what flows in each month; net worth is what you have built up. Two people with the same salary can have very different financial security depending on their debts and savings. Tracking net worth over time shows whether you are actually getting ahead.
How often should I calculate my net worth?
Once a quarter is enough for most people — frequently enough to see trends, not so often that market swings cause noise. Update your home value and investment balances when you review.