Assets (what you own)
Liabilities (what you owe)
Net Worth: $0
Full Breakdown (click to copy)
Add assets and liabilities to calculate net worth.
Frequently Asked Questions
What is net worth?
Net worth = Total Assets − Total Liabilities. Assets include cash, investments, property, vehicles, and valuables. Liabilities include mortgages, car loans, credit card debt, student loans, and other debts. A positive net worth means you own more than you owe.
What is a good net worth by age?
General benchmarks: By 30: 1× annual salary. By 40: 3× annual salary. By 50: 6×. By 60: 8×. By 67 (retirement): 10×. These are averages — individual circumstances vary widely. The most important metric is whether your net worth is growing year over year.
Should I include my home in net worth?
Yes, include the current market value of your home as an asset and the remaining mortgage as a liability. The difference is your home equity. However, since you can't easily spend home equity, some financial planners track 'liquid net worth' (excluding illiquid assets like real estate).
What is a debt-to-asset ratio?
Debt-to-asset ratio = Total Liabilities ÷ Total Assets. Below 50% is considered healthy. Above 80% means most of your assets are debt-financed. As you pay down debt and build savings, this ratio should decrease over time.