- List all assets - everything you own with monetary value: bank accounts, investments, retirement accounts, real estate, vehicles, and other valuables.
- List all liabilities - everything you owe: mortgage balance, auto loans, student loans, credit card debt, and any other debts.
- Net Worth = Total Assets - Total Liabilities.
- A positive net worth means you own more than you owe. Track it regularly to measure financial progress.
Net Worth Calculator
Calculate your net worth by subtracting your total liabilities from your total assets.
Assets (What You Own)
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$
$
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$
Total Assets$100,000.00
Liabilities (What You Owe)
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$
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$
$
Total Liabilities$31,000.00
Assets 76%Debts 24%
| Total Assets | $100,000.00 |
| Total Liabilities | $31,000.00 |
| Net Worth | $69,000.00 |
| Debt-to-Asset Ratio | 31.0% |
How to Calculate Your Net Worth
Frequently Asked Questions
Per the Federal Reserve's 2022 Survey of Consumer Finances (median figures, more representative than averages): Under 35: $39,000. Ages 35-44: $135,000. Ages 45-54: $247,000. Ages 55-64: $364,000. Ages 65-74: $410,000. 75 and older: $335,000. The median is more useful than the mean because a small number of billionaires pulls the average far above what most households have.
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