🧭 Net Worth Calculator
Net worth is the one-number report card of your money life: everything you own minus everything you owe. Most people have never calculated it. It is not about judgment; it is about knowing your starting line, because you cannot move a number you have never measured.
Your net worth
$125,000
Everything you own
$331,000
Everything you owe
$206,000
You own $331,000 and owe $206,000, so your net worth is $125,000. Write it down with today's date and recalculate every few months; the trend is the real scoreboard. The two fastest movers are paying down high-interest debt and owning things that grow.
Estimates for planning, not financial advice. Your real numbers will vary; that is exactly why you track them.
Does this resonate?
The fastest way to move this number is to own something
Salaries build net worth slowly; equity builds it in jumps. A business you own is an asset that pays you AND grows in value. See what you could own.
Browse ownable business ideas →Good questions about this math
What counts as an asset?
Anything you could sell for money: cash, investments, retirement accounts, your home at today's realistic sale price, and vehicles at resale value (not what you paid). Do not count income; a salary is a flow, not a thing you own.
What is a normal net worth for my age?
US medians run very roughly: under 35 around $40,000, 35 to 44 around $135,000, 45 to 54 around $250,000, 55 to 64 around $365,000. Averages are several times higher because the wealthy pull them up, so medians are the honest comparison. These are wide ranges, and your trend matters more than your rank.
Should I count my home?
Yes, at what it would realistically sell for, with the mortgage counted on the debt side. Some purists exclude the home because you have to live somewhere; if you prefer that view, just zero out both the home value and the mortgage and compare.
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