Calculate your net worth instantly. Track assets and liabilities, view your financial snapshot, and monitor month-over-month growth. Free, private, no signup needed.
A 28-year-old in Chicago wants to see if he is on track for financial milestones but hates how Mint and Personal Capital scrape his banking data.
Result: He enters everything manually in 5 minutes, discovers his $47,000 net worth is above average for his age, and tracks it monthly without any privacy concerns.
A New York couple in their early 60s want a clear annual snapshot across 401(k), IRA, home equity, and investment accounts.
Result: Combined net worth of $1.2M shows they can retire 2 years earlier than planned using the 4% rule.
A 35-year-old in Texas aggressively paying off $80,000 in student loans wants visual proof his net worth is climbing each month.
Result: Monthly tracking shows net worth grew from -$45,000 to +$12,000 in 14 months — keeping him motivated to finish the payoff.
Net worth = Total Assets minus Total Liabilities. Assets include savings, investments, real estate, and vehicles. Liabilities include mortgage, car loans, credit cards, and student debt. A positive number means you own more than you owe.
According to Federal Reserve data: under 35: ~$76K median, 35-44: ~$135K, 45-54: ~$247K, 55-64: ~$365K, 65-74: ~$410K. Averages are much higher — skewed by the ultra-wealthy. Median is a more realistic benchmark.
Monthly tracking is ideal for active debt payoff or savings goals. Quarterly works for most people. The key is consistency — pick one day per month and log everything. Our tracker saves your history automatically in your browser.
Yes, include your home at current market value as an asset, with your outstanding mortgage as a liability. The equity (market value minus mortgage balance) represents your true home wealth. Update the value annually or after major market shifts.
Three levers: (1) Increase income, (2) Reduce expenses and debt payments, (3) Invest the difference. Eliminating high-interest debt has the fastest impact. Consistent investing with compound interest builds long-term wealth. Our tracker helps you see which lever is working.
Net worth is one measure of wealth — a financial snapshot at a point in time. True wealth includes earning capacity, health, relationships, and financial security. Net worth is the most useful numeric proxy for financial health and progress.