Financial Toolset

Net Worth Tracker

Track your assets and liabilities to calculate your net worth. See your financial snapshot with detailed breakdowns and personalized insights.

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Get personalized default values based on your location, age, and income. All data is stored locally on your device.

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Quick Start Templates by Age

📊 Compare to National Benchmarks (Optional)

Enter your age to see how your net worth compares to Federal Reserve data for your age group (2022 Survey of Consumer Finances).

35
18100

💰 Assets

Cash & Savings

$5,000
$0$2,000,000
$

Investments

$10,000
$0$5,000,000
$

Retirement Accounts

$50,000
$0$7,500,000
$

Real Estate

$300,000
$0$5,000,000
$

Vehicles

$15,000
$0$250,000
$

Other Assets

💳 Liabilities

Credit Cards

$2,000
$0$200,000
$

Student Loans

$20,000
$0$500,000
$

Mortgages

$250,000
$0$3,000,000
$

Auto Loans

$10,000
$0$200,000
$

Other Debts

Methodology & Sources

Net worth calculation: Total Assets - Total Liabilities = Net Worth. Our recommendations are based on Federal Reserve data and financial planning best practices.

U.S. Net Worth Statistics

The median U.S. household net worth is approximately $192,900 (2022), though this varies significantly by age and location.

Source: Federal Reserve - Survey of Consumer Finances

Debt-to-Asset Ratio

A healthy debt-to-asset ratio is typically below 30%. Higher ratios indicate elevated financial risk.

Source: Investopedia - Debt-to-Asset Ratio

Liquid Assets Importance

Financial advisors recommend maintaining 3-6 months of expenses in liquid assets (cash, savings, easily-sold investments) for emergencies.

Source: CFPB - Financial Well-Being

Net Worth Growth Rates

Average net worth typically grows 5-10% annually for households that save and invest consistently.

Source: U.S. Census Bureau - Wealth and Asset Ownership

Disclaimer: This tracker provides a snapshot of your financial position. Net worth varies greatly by age, career stage, and geographic location. Use this as a starting point for financial planning, not a definitive measure of success.

Understanding Net Worth

Net worth is the total value of what you own (assets) minus what you owe (liabilities). It's the most comprehensive measure of your financial health.

Why Track Net Worth?

  • See your complete financial picture at a glance
  • Track progress toward financial goals over time
  • Identify areas where you can improve (reduce debt, increase savings)
  • Make better financial decisions based on your overall wealth
  • Benchmark against others in your age group

How to Grow Your Net Worth

  • Increase assets: Save more, invest regularly, increase home value
  • Decrease liabilities: Pay down debt, avoid new loans when possible
  • Invest wisely: Diversify investments for long-term growth
  • Increase income: Career advancement, side hustles, passive income
  • Control spending: Live below your means and avoid lifestyle inflation

Key Financial Terms

Understand the essential concepts behind this calculator

Debt-to-Asset Ratio

The percentage of your assets that are financed by debt

Learn more →

Liquid Assets

Assets that can be quickly converted to cash without losing value—like savings accounts, stocks, and money market funds.

Learn more →

Net Worth

Total assets minus total liabilities—the true measure of your financial health

Learn more →
View all financial terms in our glossary →

Frequently Asked Questions

Common questions about the Net Worth Tracker

Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It's the single most important measure of your financial health because it shows your true wealth, not just your income. Unlike salary, which shows earning power, net worth reveals whether you're actually building wealth over time. Tracking it quarterly or annually helps you measure progress toward financial goals like retirement or financial independence.

⚠️ Important Disclaimer

This Net Worth Tracker provides estimates for educational and informational purposes only. Actual results may vary significantly based on individual circumstances, market conditions, regulatory changes, and other factors beyond the scope of this calculator.

The calculations and projections provided are based on assumptions and historical data that may not reflect future performance.Past performance does not guarantee future results.

This tool is not financial advice, tax advice, legal advice, or investment advice. For personalized guidance tailored to your specific situation, please consult with qualified professionals including:

  • Certified Financial Planner (CFP)
  • Certified Public Accountant (CPA) for tax matters
  • Licensed attorney for legal matters
  • Registered Investment Advisor (RIA) for investment decisions

Data Accuracy: All data sources, statistics, and rates were verified as accurate as of October 2025. Tax rates, market conditions, and other financial data change over time. Always verify current rates and consult official sources.

No Warranties: While we strive for accuracy, we make no warranties or guarantees regarding the accuracy, completeness, or reliability of any information provided. Use this tool at your own risk.