Net Worth Calculator

Your details

Checking, savings and money you could spend today.
Brokerage accounts: stocks, bonds, funds, crypto.
401(k), IRA, pension and other retirement savings.
Market value of your home and any other property.
Resale value of cars, boats and other vehicles.
Business equity, collectibles, jewelry and anything else you could sell.
Outstanding balance on home loans.
What you still owe on vehicle loans.
Federal and private education debt.
Revolving balances you carry month to month.
Personal loans, medical debt, payday or title loans and anything else owed.
Used to compare against the U.S. median net worth for your age group. Set to 0 to skip.
Currency
Net worthPositive
$189,500
Total assets$460,000
Total liabilities$270,500
Liquid assets$55,000
Debt-to-asset ratio58.8%
Liquidity ratio (liquid ÷ assets)12%

Your net worth is 189,500.

  • Debt finances about 59% of your assets; a lower ratio is generally safer.
  • Roughly 55,000 of your wealth is liquid (cash and taxable investments) and reachable without selling property.
  • That is about 40% above the U.S. median of 135,300 for your age group.
  • Net worth is a snapshot; tracking the trend over time matters more than any single number.

Next stepRecalculate every few months to watch the trend, which is what really counts.

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