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ALTREPO/Calculators/NET WORTH CALCULATOR: TRACK YOUR ASSETS & LIABILITIES

Net Worth Calculator: Track Your Assets & Liabilities

Add up what you own and subtract what you owe to see your net worth, your debt-to-asset ratio, how your assets split into liquid and illiquid, a future projection, and where you land by age. Everything runs locally in your browser.

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Net Worth Concept A visual demonstrating Net Worth as Total Assets minus Total Liabilities. TOTAL ASSETS $350K - LIABILITIES $150K NET WORTH $200K
Your net worth is simply the value of all your assets minus the total of all your liabilities.
Use the tools above to calculate your exact figures and project them into the future.

How this calculator works

  1. It adds up your assets: cash and savings, investments, retirement accounts, real estate, vehicles, and anything else you own of value.
  2. It subtracts your liabilities: your mortgage, auto loans, student loans, credit card balances, and other debts.
  3. The difference is your net worth, and it splits your assets into liquid, semi-liquid, and illiquid so you can see how much you could reach quickly.
  4. It also projects your net worth forward at a growth rate you choose and estimates where you land by age, so the number has context.

Example: 353,500 in assets minus 180,000 in liabilities is a net worth of 173,500. If that grows about 6 percent a year with 10,000 added annually, it reaches roughly 443,000 in 10 years.

Net worth calculator FAQ

How do I calculate my net worth?

Your net worth is everything you own minus everything you owe. Add up your assets, including cash and savings, investments, retirement accounts, real estate, and vehicles, then subtract your liabilities, such as a mortgage, car loans, student loans, and credit card balances. For example, 353,500 dollars in assets minus 180,000 dollars in debts is a net worth of 173,500 dollars. The number can be positive or negative, and tracking how it changes over time matters more than any single figure.

What counts as an asset versus a liability?

An asset is anything you own that has value, such as cash, savings, taxable investments, retirement accounts, your home and other real estate, vehicles, and valuables. A liability is anything you owe, including your mortgage, auto loans, student loans, credit card balances, and other debts. Use current market values for assets and current payoff balances for debts, not the original purchase price or loan amount.

What is a good net worth for my age?

There is no single right number, but comparing against others your age gives useful context. This calculator estimates your percentile by age using United States Survey of Consumer Finances data, so you can see roughly where you land among households in your age range. Net worth usually rises through your working years and peaks near retirement, so a healthy figure at 30 looks very different from one at 60.

Is a negative net worth bad?

Not necessarily. Many people, especially younger adults with student loans or a new mortgage, have a negative net worth for a time. What matters is the direction of travel: paying down debt and building assets steadily moves the number up. A negative net worth is a signal to focus on high interest debt first, not a permanent verdict.

How accurate is this calculator and its projection?

It is an estimate, not financial advice. Your net worth is only as accurate as the values you enter, so use current market values and payoff balances. The future projection assumes a single steady growth rate every year, which real markets never deliver, so treat it as a rough what-if rather than a forecast. The percentile by age is based on Survey of Consumer Finances data and is approximate.