Calculate your total net worth — assets minus liabilities. Know exactly where you stand financially.
Total assets minus total liabilities
This free calculator gives you instant, accurate results with no signup required. Use it to make smarter, more informed financial and life decisions.
Always double-check important financial decisions with a qualified professional. This calculator provides estimates for guidance purposes. Results may vary based on your specific circumstances.
Net worth — what you own minus what you owe — is the single clearest measure of financial progress, far more useful than salary or savings account balance alone. A common benchmark from financial researchers suggests aiming for net worth equal to your age divided by 10, times your annual salary.
So a 35-year-old earning $70,000/year might target roughly $245,000 net worth. These benchmarks are rough guides, not pass/fail tests — someone with high student debt or who started a family early will naturally track behind these numbers without anything being "wrong."
What actually moves net worth the most isn't usually income — it's the gap between income and spending, invested consistently. Someone earning $60,000 who saves 25% will often out-accumulate someone earning $150,000 who saves 5%, simply through compounding over decades.
Use the calculator above to establish your current baseline, then recalculate every 6-12 months. Tracking net worth over time — even if the number feels small at first — reveals trends that a single snapshot never can.