Net Worth Calculator
Add up what you own and what you owe to see your net worth
Assets
Counts as liquid
Counts as liquid
Counts as liquid
Liabilities
Your net worth
$197,500
$498,000 in assets minus $300,500 in liabilities
Total assets
$498,000
Total liabilities
$300,500
Debt-to-asset ratio
60.3%
share of assets owed to lenders
Liquid assets
$40,000
cash, savings and brokerage
How Do You Compare?
Before taxes
A rule of thumb from The Millionaire Next Door puts expected net worth at age × income ÷ 10, which is $360,000 for you. Your net worth is 55% of that, which the book would call an average accumulator of wealth. Treat it as a rough benchmark, not a verdict.
About Net Worth
Net worth is everything you own minus everything you owe. It is the clearest single measure of financial progress, because it captures savings, investments, home equity and debt in one number. Track it over time: the direction matters more than any one reading.
The Formulas
Net worth = total assets − total liabilities
Debt-to-asset = liabilities ÷ assets
Expected NW = age × income ÷ 10
Use current market values, not what you paid.
Grow Your Net Worth
- •Value your home and car at what they would sell for today
- •Pay down high-interest debt first; it shrinks liabilities fastest
- •Automate retirement and investment contributions
- •Recalculate every quarter or year and watch the trend
- •Keep enough liquid assets to cover emergencies without new debt