Net Worth Calculator
Track your total net worth by adding assets and liabilities
Assets
Liabilities
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What is this tool?
The Net Worth Calculator helps you track your overall financial health by summing all assets and subtracting all liabilities. Add each asset (cash, investments, property) and liability (loans, debts, credit cards) to see your net worth, asset-liability ratio, and a breakdown chart.
How to use
- 1
Add assets
Enter each asset with a name and value (cash, stocks, real estate, etc.).
- 2
Add liabilities
Enter each liability with a name and amount (mortgage, loans, credit cards, etc.).
- 3
View summary
See total assets, total liabilities, net worth, and asset-liability ratio with a chart.
Frequently Asked Questions
What is a healthy net worth?
A common benchmark is net worth ≥ age × annual income / 10. A 30-year-old earning $100,000/year should target $300,000 net worth. A negative net worth means liabilities exceed assets.
Should I include my primary residence?
Most financial planners include it, but you can choose either way. Including it gives a fuller picture of total wealth, while excluding it shows liquid net worth.
How often should I calculate net worth?
Monthly tracking gives the most insight, but quarterly or annually is fine for most people. The trend matters more than any single number.