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Net Worth Calculator & Tracker

Add up what you own, subtract what you owe, and save a snapshot each month to watch the line go up.

Updated October 2026

Assets (what you own)
$
$
$
$
$
Liabilities (what you owe)
$
$
$
$
Your net worth
$46,600
Save a snapshot below to start tracking the trend.
Assets · 72%Liabilities · 28%
Total assets
$76,500
Total liabilities
$29,900
Debt-to-asset ratio
39%
healthy
Stored only in this browser. Nothing is uploaded. Update the numbers on the first of each month and save a snapshot, and the chart builds itself.
Net Worth Tracker$46,600Results ↓

How to calculate net worth

Net worth = total assets − total liabilities. Assets are everything you own with monetary value: cash and bank balances, retirement accounts, brokerage investments, your home at current market value, vehicles at resale value, and anything else you could realistically sell. Liabilities are everything you owe: credit card balances, car loans, student loans, mortgage, personal loans, medical debt.

A negative number is common early in adult life (student loans, a new car) and isn't a verdict; the *direction* matters far more than the level. That's why this page lets you save monthly snapshots.

What to include, and at what value

  • Cash: checking, savings, CDs, at face value.
  • Investments: 401(k), IRA, HSA, brokerage, at today's balance (ignore future taxes for simplicity, or discount pre-tax accounts by ~20% if you want to be conservative).
  • Home: a realistic sale price, not the Zillow high estimate. Subtract the mortgage under liabilities.
  • Vehicles: private-party resale value, which drops fast.
  • Skip: furniture, electronics, and clothing unless they're genuinely resalable for meaningful money. Most people overstate these.
  • Debts: current payoff balance from each account's latest statement.

Net worth by age in the US

From the Federal Reserve's Survey of Consumer Finances, the median household net worth is roughly: under 35: $39,000; 35–44: $135,000; 45–54: $247,000; 55–64: $364,000; 65–74: $410,000. Averages are several times higher because of a small number of very wealthy households, so compare yourself to the median. A useful personal benchmark: aim for net worth of 1× annual income by 30, 3× by 40, and 6× by 50, driven mostly by retirement savings.

Growing it

Net worth rises in only three ways: earn more than you spend and save the gap, pay down debt (which moves liabilities down dollar for dollar), and let investments compound. Tracking monthly makes the levers obvious. If assets are flat while debt falls, you're in a payoff phase; if both rise, the extra debt might be a mortgage building equity, or a warning sign. Pair this tracker with the debt payoff planner and the retirement calculator.

Frequently asked questions

Where is my data stored?+

In your browser's local storage on this device only. Nothing is uploaded. Clearing site data erases it, so use Print / PDF if you want a paper copy.

Should I include my house in net worth?+

Yes, at a realistic market value, with the mortgage balance under liabilities. Some people track a second 'liquid net worth' figure that excludes the home and retirement accounts to see what's actually accessible.

How often should I update it?+

Monthly is ideal and takes a few minutes once your accounts are listed. Quarterly is fine. Save a snapshot each time and the trend chart appears after two entries.

Is a negative net worth bad?+

It's common under 30, especially with student loans. What matters is that it rises over time. Focus on paying down high-interest debt and building retirement savings, and the number will follow.