Net Worth Calculator

Assets are things you own with monetary value: cash, checking and savings, brokerage and retirement accounts, your home, other real estate, vehicles, and valuable personal property. Liabilities are everything you owe: mortgage, HELOC, auto loans, student loans, credit cards, personal loans, and other debt. Net worth is total assets minus total liabilities.

Per the most recent Federal Reserve Survey of Consumer Finances, median household net worth is roughly $39,000 under age 35, $135,000 ages 35-44, $247,000 ages 45-54, $365,000 ages 55-64, and $410,000 ages 65-74. Mean figures are far higher because top households skew the average.

A first mortgage and a home equity loan or HELOC are two separate liens against the same property. Lenders report them as distinct debts, they may carry different rates (HELOCs are usually variable), and tracking them separately makes payoff planning easier.

Debt-to-asset ratio is total liabilities divided by total assets. Under 30% is generally considered healthy, 30-50% is moderate, and above 50% means most of what you own is financed. The ratio naturally drops as you pay down loans and appreciating assets grow.

Use current market value, not purchase price. Vehicles depreciate fast, so check Kelley Blue Book or Edmunds for a realistic figure. The same logic applies to your home (use recent comparable sales or a Zestimate) and to collectibles or jewelry (use resale, not retail, value).