Calculate your total net worth by adding up all your assets and subtracting all your liabilities. Track your financial progress and see where you stand.
Assets & Liabilities
Enter all your financial data
🏠 Assets — What You Own
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$
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$
$
$
$
💳 Liabilities — What You Owe
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$
$
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$
$
Net Worth
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Debt-to-Asset Ratio
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Total Assets
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Total Liabilities
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Net Worth
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Solvency Ratio
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Total Assets
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Total Liabilities
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Net Worth
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Liquid Assets (cash+invest)
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Illiquid Assets (property+vehicles)
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Debt-to-Asset Ratio
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Solvency Ratio (assets/liab)
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💡 Benchmark: Median US net worth (2022): Age 35-44: ~$135K | Age 45-54: ~$247K | Age 55-64: ~$365K | 65+: ~$409K (Federal Reserve)
FAQ
What is net worth?
Net worth = Total Assets − Total Liabilities. It is the most comprehensive snapshot of your financial health. Positive net worth means you own more than you owe. Negative net worth (common early in life) means liabilities exceed assets.
What is a good net worth at my age?
A common guideline: by 30, have 1x salary saved. By 40, 3x. By 50, 6x. By 60, 8x. These are for retirement savings alone. Overall net worth includes home equity and other assets. Average net worth varies enormously by income and geography.
What is the debt-to-asset ratio?
Debt-to-asset ratio = Total Liabilities ÷ Total Assets. Under 0.5 (50%) is generally healthy. Above 0.8 is a danger zone. A mortgage alone can push this ratio high — focus on liquid assets separately.
How often should I calculate my net worth?
Quarterly or annually is ideal for most people. More frequent tracking can cause unnecessary stress from market fluctuations. Use it as a long-term trend tracker, not a daily measure.