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Calculators/Retirement & Investing
Net Worth Calculator
Calculate your true net worth — assets minus liabilities — the definitive measure of your financial health.
Assets
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Liabilities
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Summary
Total Assets$620,000
Total Liabilities$292,500
Net Worth$327,500
Net Worth
$327,500
Total Assets
$620,000
Total Liabilities
$292,500
How to Use This Calculator
1
List all your assets
Assets = everything you own with value: home, cars, bank accounts, investments, retirement accounts, business equity. Use today's market value, not purchase price.
2
List all your liabilities
Liabilities = everything you owe: mortgage balance, car loans, student loans, credit card balances, personal loans, medical debt. Use current payoff amounts.
3
Net Worth = Assets − Liabilities
This single number is the most important measure of financial health. A positive and growing net worth means you're building wealth. Track it monthly.
4
Benchmark your progress
The rule of thumb: by age 30, aim for 1x annual salary in net worth. By 40: 3x. By 50: 6x. By 60: 8x. These are guidelines — focus on consistent growth, not comparisons.
Real-World Examples
Texas Median Homeowner
Assets
$520,000
Home Value
$350,000
Investments
$85,000
Liabilities
$340,000
ResultNet Worth: $180,000
Typical Texas homeowner in their 40s. Home equity is the largest component — common but exposes wealth to housing market risk.
High-Income DFW Professional
Assets
$1,850,000
Investments + Retirement
$820,000
Home Equity
$350,000
Liabilities
$420,000
ResultNet Worth: $1,430,000
Approaching FIRE territory. Well-diversified — not over-concentrated in real estate.
Frequently Asked Questions
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