Secure Finance

Net Worth Calculator

Enter your assets and liabilities to instantly calculate your net worth and get a clear snapshot of your financial health. Free, no sign-up, nothing saved.

Assets (What You Own)

Liabilities (What You Owe)

Your Net Worth

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Total Liabilities �?/span>
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How Net Worth Is Calculated

Net worth is the simplest and most powerful measure of financial health:

Net Worth = Total Assets �?Total Liabilities

A positive net worth means you own more than you owe. A negative net worth (common early in life due to student loans or mortgages) means you owe more than you own. The goal is to grow net worth over time by increasing assets and reducing liabilities.

Average Net Worth by Age in the U.S.

Age GroupMedian Net WorthMean Net Worth
Under 35$39,000$183,000
35�?4$135,000$549,000
45�?4$247,000$975,000
55�?4$365,000$1,566,000
65�?4$410,000$1,794,000

Source: Federal Reserve Survey of Consumer Finances (2022). Mean is skewed by high-wealth households; median is more representative.

How to Grow Your Net Worth

  • Invest consistently: Even $200/month in index funds at 7% return grows to $240,000 in 30 years.
  • Pay down high-rate debt: Eliminating a 20% APR credit card is a guaranteed 20% return.
  • Maximize retirement accounts: 401(k) employer match is an immediate 50�?00% return.
  • Avoid lifestyle inflation: As income grows, increase savings rate before increasing spending.
  • Build home equity: Each mortgage payment increases your net worth as the balance decreases.

Why Tracking Net Worth Matters

Tracking net worth monthly or quarterly gives you a single number that reflects all your financial decisions. It's more meaningful than income alone �?a high earner who spends everything has a lower net worth than a moderate earner who saves consistently. Use this calculator regularly to measure your progress.

Net Worth Calculator �?Frequently Asked Questions

What is net worth?

Net worth = Total Assets �?Total Liabilities. It's the most comprehensive single-number measure of your financial health. Positive means you own more than you owe; negative means the opposite.

What is a good net worth by age?

Median U.S. net worth: Under 35: ~$39K. Ages 35�?4: ~$135K. Ages 45�?4: ~$247K. Ages 55�?4: ~$365K. Ages 65�?4: ~$410K. These are medians �?half of Americans have more, half have less.

What counts as an asset?

Cash, bank accounts, investment accounts, retirement accounts (401k, IRA), real estate (market value), vehicles, business ownership, and valuable personal property. Use current market value, not purchase price.

What counts as a liability?

Mortgage balance, car loans, student loans, credit card balances, personal loans, medical debt, and any other money you owe. Use the current outstanding balance.

How can I increase my net worth?

Invest consistently, pay down high-interest debt, maximize retirement accounts, avoid lifestyle inflation, and build home equity. Even small consistent actions compound dramatically over time.

Debt Payoff Calculator

Reduce liabilities with avalanche or snowball method.

Retirement Savings Calculator

Grow your retirement assets with compound returns.

Savings Goal Calculator

Find out how much to save monthly for any goal.

Educational purposes only. No data is saved or transmitted. Not financial advice. Consult a licensed financial advisor for personalized guidance.