How is net worth calculated?

Net worth = Total assets − Total liabilities. Assets are what you own (cash, investments, property). Liabilities are what you owe (mortgages, loans, credit card balances).

Should I include my home and car?

Include them at fair market value (what you could sell for today) and include the corresponding mortgage or auto loan as a liability. A paid-off home adds its full value; a heavily-financed home adds only the equity.

What's a good net worth for my age?

Fidelity suggests saving 1× annual salary by 30, 3× by 40, 6× by 50, 8× by 60, and 10× by 67. This is a starting benchmark — individual goals depend on lifestyle, location, and retirement plans.

Is retirement account money counted?

Yes, at its current balance. Note that pre-tax 401(k)/IRA balances will be reduced by income tax at withdrawal, so some prefer to show an after-tax estimate for traditional accounts.

Net Worth Calculator

Finance· 37 tools

Free net worth calculator. Enter your assets (cash, savings, investments, retirement accounts, real estate, vehicles) and liabilities (mortgages, student loans, credit cards, auto loans, other debts). See your total net worth, asset/liability totals, and a visual breakdown of where your wealth is concentrated.

Assets

Cash & checking

Savings accounts

Brokerage / investments

Stocks, ETFs, mutual funds

Retirement (401k, IRA)

Real estate (market value)

Vehicles (Kelley/KBB value)

Other assets

Business, collectibles, crypto

Liabilities

Mortgage balance

Auto loans

Student loans

Credit card balances

Personal / other loans

Net worth

$218,000

Debt-to-asset ratio: 56%

Total assets

$498,000

Total liabilities

$280,000

Asset mix

Real estate (market value)$350,000 · 70%

Retirement (401k, IRA)$80,000 · 16%

Brokerage / investments$30,000 · 6%

Vehicles (Kelley/KBB value)$18,000 · 4%

Savings accounts$15,000 · 3%

Cash & checking$5,000 · 1%

Disclaimer: For informational purposes only. This is not financial, tax, or legal advice — consult a licensed professional before making decisions.

Frequently Asked Questions

References

Survey of Consumer Finances (triennial household net worth data) — Federal Reserve

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Assets

Liabilities

Frequently Asked Questions

References and sources

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