💰 Net Worth Calculator

✅ Assets $0

Liquid Assets

Investments

Real Estate

Other Assets

❌ Liabilities $0

Home & Real Estate

Consumer Debt

Education & Other

Your Age (for benchmarks)

Annual Income

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Your Net Worth

📊 Net Worth Benchmarks by Age

Median and recommended net worth targets by age group. Sources: Federal Reserve Survey of Consumer Finances, Fidelity, and financial planning standards.

Age Group	US Median NW	Fidelity Target	Rule of Thumb

Fidelity target = X times annual salary saved for retirement. Rule of thumb = (Age - 25) × Salary / 5.
Sources: Federal Reserve 2022 SCF, Fidelity Investment research.

📐 How Net Worth Is Calculated

The Net Worth Formula

Net Worth = Total Assets − Total Liabilities Assets: Everything you OWN (has positive value) Liabilities: Everything you OWE (debts, loans) Positive net worth → assets exceed debts (good) Negative net worth → debts exceed assets (common when young)

What to Include as Assets

Liquid Assets (cash/near-cash): Checking accounts, Savings accounts, CDs, Money market accounts, Cash Investments: 401k, IRA, Roth IRA, Brokerage accounts, Stocks, Bonds, Mutual funds, Crypto, ETFs Real Estate: Primary home (market value), Rental properties, Land, REITs Other Assets: Car (current value), Business equity, Valuable jewelry, Art, Collectibles

What to Include as Liabilities

Home & Real Estate: Mortgage balance, HELOC balance, Rental property loans Consumer Debt: Credit card balances, Auto loans, Personal loans, Buy-now-pay-later Education & Other: Student loans (federal + private), Medical debt, Tax debt, Any other outstanding loans

Wealth Building Ratios

Debt-to-Asset Ratio = Total Liabilities / Total Assets Under 0.5: Healthy 0.5–0.8: OK but watch it Over 0.8: High — focus on paying down debt Savings Rate = (Savings + Investments) / Net Worth Higher = better (more productive assets) Liquid Ratio = Liquid Assets / Monthly Expenses 3–6 months = good emergency fund coverage

❓ Frequently Asked Questions

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💰 Net Worth Calculator