Net Worth Calculator

FinanceStackHub

Assets

Cash & Savings ($)

Checking ($)

Investments ($)

Brokerage, 401k, IRA, crypto

Home Value ($)

Vehicle Value ($)

Other Assets ($)

Liabilities

Mortgage Balance ($)

Car Loan Balance ($)

Student Loans ($)

Credit Card Debt ($)

Other Liabilities ($)

Net Worth Summary

Total Net Worth

Total Assets $0

Total Liabilities $0

Home Equity $0

Liquid Net Worth $0

Fed Reserve Median by Age

Under 35: $39,040
35–44: $135,600
45–54: $247,200
55–64: $364,500
65–74: $409,900

How to Calculate Net Worth

Net worth is the simplest measure of financial health: everything you own minus everything you owe. It gives a single number that captures your overall financial position at a point in time.

The Net Worth Formula

Net Worth = Total Assets − Total Liabilities

What to Include as Assets

Use current fair market value for each asset — not what you paid for it, what it would sell for today:

Cash & bank accounts — checking, savings, money market, CDs
Investment accounts — brokerage, 401(k), IRA, Roth IRA, HSA, crypto
Real estate — primary home, rental properties (market value, not purchase price)
Vehicles — cars, boats, RVs at current KBB value
Business equity — your ownership stake at estimated value
Life insurance cash value — whole life or universal life policies only

Liquid vs. Total Net Worth

Total net worth includes illiquid assets like your home. Liquid net worth excludes real estate and other hard-to-sell assets. Financial planners often track both: total net worth shows overall wealth, liquid net worth shows how much you could access in an emergency.

📈 Grow Your Net Worth Faster

Earn more on your savings and invest consistently to close the gap between your current and target net worth.

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