How to Use This Net Worth Calculator
Our free net worth calculator gives you accurate estimates in seconds. Enter your numbers above and hit Calculate — results update instantly.
All calculations use current 2026 rates and formulas. Results are estimates to help you plan — always verify with a licensed professional for final numbers.
Frequently Asked Questions
What is net worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). Assets include cash, investments, real estate, and vehicles. Liabilities include mortgages, car loans, credit cards, and student loans.
What is a good net worth by age?
Average net worth by age (US, Federal Reserve 2022): Under 35: $183,500. Ages 35-44: $549,600. Ages 45-54: $975,800. Ages 55-64: $1,566,900. Ages 65-74: $1,794,600. These are averages — median values are significantly lower.
How can I increase my net worth?
Increase assets by saving and investing regularly. Decrease liabilities by paying off high-interest debt first. The biggest drivers are consistent saving, investing in diversified assets, and avoiding lifestyle inflation.
Should I include my home in net worth?
Yes, include your home value as an asset and your mortgage balance as a liability. The equity (home value minus mortgage) is part of your net worth. However, home equity is illiquid — you cannot spend it easily.
How often should I calculate my net worth?
Calculate your net worth quarterly or at least annually. Regular tracking helps you see progress, identify areas for improvement, and stay motivated toward financial goals.