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Free Net Worth Calculator

Know Your Net Worth.
Build Real Wealth.

Add your assets and liabilities to instantly calculate your net worth, visualize your asset allocation, and see how you compare by age — all 100% free.

No sign-up required • Runs in your browser • Your data stays private

Assets

Cash & Banking

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Investments

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$

Real Estate

$0
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Vehicles

$0
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Cryptocurrency

$0
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Other Assets

$0
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Liabilities

Mortgage

$0
$

Student Loans

$0
$

Auto Loans

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Credit Cards

$0
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Other Debt

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Your Net Worth

Total Assets

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Total Liabilities

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Net Worth

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Asset Allocation

Add assets above to see your allocation

How Do You Stack Up?

Average & median net worth by age group (Federal Reserve Survey of Consumer Finances, 2022). Read our full breakdown →

Age GroupMedianAverage
Under 35$39,000$183,500
35 – 44$135,600$549,600
45 – 54$247,200$975,800
55 – 64$364,500$1,566,900
65 – 74$410,000$1,794,600
75+$335,600$1,624,100

Disclaimer: This tool provides estimates for informational purposes only. Results are based on the inputs you provide and general assumptions — they do not constitute financial advice. Nova Net Worth is not a registered investment adviser or financial planner. Consult a qualified financial professional before making decisions based on these results.

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How to Calculate Your Net Worth

It takes just three steps to get a clear picture of your financial health.

1

List Your Assets

Add everything you own: bank balances, investment accounts, real estate, vehicles, crypto, and other valuables. Use current market values for the most accurate picture.

2

List Your Liabilities

Enter all your debts: mortgage balance, student loans, auto loans, credit card balances, and any other money you owe. Use your current outstanding balances.

3

See Your Net Worth

The calculator instantly shows your total net worth, a visual asset allocation breakdown, and how you compare to others in your age group.

Why Tracking Net Worth Matters

Your net worth is the single most important number in personal finance.

Full Financial Picture

Income alone doesn’t show your financial health. Net worth captures everything — assets, debts, and your overall trajectory toward wealth.

Measure Real Progress

When you track your net worth monthly, you can see whether your financial decisions are moving you forward — or holding you back.

Smarter Decisions

Knowing your net worth helps you prioritize: should you pay off debt, invest more, or build an emergency fund? The data tells you.

Retirement Readiness

Your net worth is the foundation of retirement planning. Track it consistently and you'll know exactly when you can retire comfortably.

Motivation & Accountability

Watching your net worth grow over time is incredibly motivating. It turns abstract financial goals into a tangible, trackable number.

Financial Security

A growing net worth means you're building a cushion against life's surprises — job loss, medical bills, or unexpected expenses.

Assets vs. Liabilities: A Quick Guide

Assets (What You Own)

  • Cash & Banking: Checking, savings, money market, CDs
  • Investments: 401(k), IRA, Roth IRA, brokerage accounts, HSA
  • Real Estate: Home equity, rental properties, land
  • Vehicles: Cars, boats, RVs (at current resale value)
  • Other: Crypto, business equity, valuable collections

Liabilities (What You Owe)

  • Mortgage: Remaining balance on home loans
  • Student Loans: Federal and private education debt
  • Auto Loans: Outstanding vehicle financing
  • Credit Cards: Revolving balances carried month to month
  • Other: Personal loans, medical debt, HELOC, tax liens

Frequently Asked Questions

How do I calculate my net worth?

Net worth is calculated by subtracting your total liabilities (what you owe) from your total assets (what you own). Assets include cash, investments, real estate, vehicles, and other valuables. Liabilities include mortgages, student loans, auto loans, credit card balances, and any other debts. The formula is simple: Net Worth = Total Assets − Total Liabilities.

What should I include in my net worth calculation?

Include all assets with meaningful value: bank accounts, retirement accounts (401k, IRA), brokerage accounts, real estate (at current market value), vehicles (at resale value), cryptocurrency, and valuable personal property. For liabilities, include your mortgage balance, student loans, auto loans, credit card debt, personal loans, medical debt, and any other outstanding balances. Don't include your income or monthly expenses — net worth is a snapshot of what you own vs. what you owe.

What is the average net worth by age?

According to the Federal Reserve's 2022 Survey of Consumer Finances, the median net worth for Americans under 35 is about $39,000, while the average is $183,500. For ages 35–44, the median rises to $135,600 (average $549,600). The median peaks at $410,000 for ages 65–74. The average is always much higher than the median because a small number of very wealthy households pull it up, so the median is a more realistic benchmark for most people.

How often should I calculate my net worth?

Most financial advisors recommend tracking your net worth at least once per month. Monthly tracking helps you spot trends early — whether your investments are growing, your debt is decreasing, or an unexpected change needs attention. Quarterly check-ins are the minimum for staying on top of your financial health. For effortless tracking, tools like Nova automatically sync your accounts and update your net worth in real-time.

Is a negative net worth bad?

A negative net worth simply means you owe more than you own, and it's more common than you'd think — especially for young adults with student loans or recent homebuyers with a large mortgage. It doesn't mean you're in financial trouble; it means you're in the early stages of building wealth. The key is making sure your net worth trends upward over time. Focus on paying down high-interest debt, building an emergency fund, and consistently saving and investing.

Related Tools

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