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Net Worth Calculator

Net Worth Calculator

Enter assets and liabilities into the provided tool to precisely assess your net worth.


Real Estate
Checking Accounts
Savings Accounts
Retirement Accounts
Other Assets


Real Estate Loans
Credit Card Debt
Personal Loans
Student Loans
Car Loans
Other Debt

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This net worth calculator computes the total value of your assets and liabilities, calculating their difference for a precise assessment of your financial standing. Use this tool to track your net worth and set meaningful financial goals.

What Is A Net Worth?

Net worth is assets minus liabilities. It differentiates between what is owned and what is owed. It’s the easiest way to calculate the financial health of a person at any given time.


The assets of a person includes everything that a person or entity owns like cash, investments, real estate, vehicles, etc.


Liabilities are the debts that a person has to pay such as mortgages, credit cards, loans, etc.

The net worth of a person can be a positive, zero, or negative number.

  • Positive Net Worth: It means the asset values are high compared to the liabilities. A positive number shows that your assets can cover all the liabilities and you still have something to cover any kind of financial emergency
  • Zero Net Worth: If the net worth of a person is equal to zero, then it means the value of assets can cover all the liabilities and nothing remains left after that
  • Negative Net Worth: It means that the liabilities are greater than the assets. In this situation, you don’t have anything to handle any financial emergency

How To Calculate Net Worth?

To calculate the net worth, subtract the liabilities from the assets. Follow these steps:

  • Identify and list all your assets including liquid assets, investments, real estate, and property
  • Calculate the value of each asset
  • Sum all the assets
  • Note down all of your liabilities
  • Calculate the amount of each liability and add them to get the total amount of liabilities
  • Determine the net worth by putting values in the net worth formula (Net Worth = Assets – Liabilities). If you are concerned about the worth of an enterprise, then just use the enterprise value calculator and get the precise results in seconds.


Let’s say, you have a friend named John. He has the following assets and liabilities:

Liquid Assets:

  • Savings Account: $20,000
  • Checking Account: $5,000


  • Stock Portfolio: $25,000
  • Retirement Account: $30,000

Real Estate:

  • Home Value: $250,000
  • Investment Property: $100,000


Short-Term Debt:

  • Credit Card Balances: $3,000
  • Personal Loan: $5,000

Long-Term Debt:

  • Mortgage on Home: $100,000
  • Auto Loan: $15,000

This is how you can find the net worth of John!


Total Assets = ($20,000 + $5,000 + $25,000 + $30,000 + $250,000 +$100,000)

Total Assets = $430,000

Total Liabilities = ($3,000 + $5,000 + $100,000 + $15,000)

Total Liabilities = $123,000

Net Worth = Assets – Liabilities

Net Worth = $430,000 – $123,000 = $307,000

Calculate your net wealth to get a comprehensive snapshot of your financial health. Save time and gain precision in assessing your financial standing by using the net worth calculator.

What Is The Average Net Worth of Americans?

As per the 2019 Federal Reserve report, The median net worth of Americans was around $121,700.

Average Net Worth by Age:

The average net worth in the US by age is as follows:

Age Average Median
Younger than 35 $76,340 $14,000
35-44 $437,770 $91,110
45-54 $833,790 $168,800
55-64 $1,176,520 $213,150
65-74 $1,215,920 $266,070
75+ $958,450 $254,900

Average Net Worth by Education:

Education Level Average Median
No high school diploma $137,580 $20,780
High school diploma $304,590 $73,890
Some college $374,010 $89,280
College degree $1,516,910 $308,800

Average Net Worth by Race or Ethnicity:

Race or Ethnicity Average Median
White, non-Hispanic $980,550 $189,100
Black, non-Hispanic $142,330 $24,100
Hispanic $165,540 $36,050
Other $656,600 $74,500



What Net Worth Is Considered Rich?

A net worth of $774,000 is considered financially comfortable and a net worth of $2.2 million is considered rich.

How To Increase Your Net Worth?

Follow the bellow mentioned steps:

  • Cut your extra expenses
  • Reduces debts
  • Do investments
  • Pay off mortgages