Net Worth Calculator
Example: Assets $500K - Debts $200K = Net Worth $300K
Net worth is one measure of your financial position. It is the value of what you own minus what you owe. Use this calculator to total your assets and liabilities.
Assets vs Liabilities
Asset breakdown
Net Worth
Total Assets
Total Liabilities
Debt-to-Asset Ratio
Lower is better (under 50% is healthy)
How We Calculate This
Net worth is calculated as Total Assets minus Total Liabilities. Assets include all items of value you own, while liabilities include all debts you owe.
Methodology last reviewed: November 2022. How SparkCalc works
Sources: U.S. Federal Reserve: Survey of Consumer Finances (SCF) · U.S. Federal Reserve: Changes in U.S. Family Finances from 2019 to 2022 · U.S. Federal Reserve: Report on the Economic Well-Being of U.S. Households (SHED)
Frequently Asked Questions
What is a good net worth by age?
A common benchmark is having 1x your salary saved by 30, 3x by 40, 6x by 50, and 8x by 60. But these are just guidelines - focus on growing your net worth year over year.
Should I include my home in net worth?
Yes, include your home's market value as an asset and your mortgage as a liability. Some prefer to track net worth with and without home equity separately.
How often should I calculate net worth?
Calculate quarterly or at least annually. More frequent tracking helps you stay motivated and catch issues early.
What is a good debt-to-asset ratio?
Below 50% is generally healthy. Below 30% is excellent. If your ratio is above 50%, focus on paying down debt before accumulating more assets.
Related Calculators
You might also find these calculators helpful: Retirement Calculator, and Debt Payoff Calculator.
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This calculator provides estimates only. Actual results may vary. Consult a qualified financial advisor before making financial decisions.