USA: Retirement & savings
Net Worth Calculator
Your net worth is the clearest single number for your financial health. Add up what you own and subtract what you owe. Update it every few months to watch your progress.
How to use the Net Worth Calculator
- Enter your cash, savings and investments.
- Add retirement accounts, home and vehicle values.
- Enter mortgage, car, student and credit card debts.
- See your net worth and debt-to-asset ratio.
Formula
Example
$486,000 of assets (including a $350,000 home) minus $272,000 of debts = $214,000 net worth.
Median net worth by age (US)
The Federal Reserve's Survey of Consumer Finances shows net worth rising with age, from tens of thousands of dollars for households under 35 to several hundred thousand for those in their 60s. Compare yourself to your own past numbers, not to others.
Grow your net worth
- Pay off high-interest debt
- Automate savings and investing
- Increase income
- Avoid buying assets that lose value quickly with debt
Related free tools
Frequently asked questions
Should I count my car?
Yes, at its realistic resale value - it falls every year.
Should I include my home?
Yes, at a conservative market value, minus the mortgage.
Is negative net worth bad?
It is common early in a career, especially with student loans. Focus on the trend.
Liquid net worth?
Assets you can turn into cash quickly, minus short-term debts.
Results are estimates for planning, not financial advice. Confirm important decisions with a qualified professional. Your inputs stay in your browser and are not sent to Soft2Cloud.
Last updated: November 2026