PersonalCFO

Net Worth Calculator

Your net worth is the single best number to track your financial health. Add your assets and liabilities below to see where you stand—and how your wealth is allocated.

Assets

What you own

Cash & Savings

$25,700
$
$
$

Investments

$136,800
$
$
$
$

Real Estate

$385,000
$

Other Assets

$24,000
$
Total Assets$571,500

Liabilities

What you owe

Mortgage(s)

$298,000
$

Student Loans

$18,500
$

Auto Loans

$12,300
$

Credit Cards

$3,200
$

Other Debts

Total Liabilities$332,000

Your Net Worth

$239,500
$571,500 in assets − $332,000 in liabilities
Assets$571,500
Liabilities$332,000

Asset Allocation

Cash & Savings
$25,700
4.5%
Investments
$136,800
23.9%
Real Estate
$385,000
67.4%
Other Assets
$24,000
4.2%

Liability Breakdown

Mortgage(s)
$298,000
89.8%
Student Loans
$18,500
5.6%
Auto Loans
$12,300
3.7%
Credit Cards
$3,200
1.0%

Key Ratios

Debt-to-Asset Ratio
58.1%
Moderate (50-80%)
Equity Ratio
41.9%
Portion of assets you truly own
Liquid Assets
$25,700
4.5% of total assets

Track Your Net Worth Automatically

Link your bank accounts, investment accounts, and loans to PersonalCFO and see your net worth update in real time. No more spreadsheets—your complete financial picture, always current.

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Why Net Worth Matters

Your net worth is the most complete snapshot of your financial health. Income tells you how much flows in, but net worth tells you how much you’ve actually kept. Tracking it regularly reveals whether your financial decisions are building wealth or eroding it.

Think of it as your personal balance sheet—assets on one side, liabilities on the other. The difference is your equity in your own financial life.

What to Include

Assets: Include everything you own that has significant monetary value. Cash and savings (checking, savings, money market), investments (401k, IRA, Roth IRA, brokerage accounts, HSA), real estate (at current market value, not purchase price), and other valuables (vehicles at resale value, not purchase price).

Liabilities: Include all debts. Mortgages (remaining balance), student loans, auto loans, credit card balances, personal loans, HELOCs, medical debt, and any other amounts you owe.

What to exclude:Don’t count personal property like furniture, clothing, or electronics—these depreciate quickly and are hard to liquidate. Some people exclude their primary residence (and mortgage) to focus on “investable net worth,” which is the wealth available to fund your future.

Net Worth Benchmarks by Age

According to the Federal Reserve’s Survey of Consumer Finances, the median net worth in the United States by age group is approximately:

  • Under 35: $39,000 (median), $183,500 (average)
  • 35–44: $135,600 (median), $549,600 (average)
  • 45–54: $247,200 (median), $975,800 (average)
  • 55–64: $364,500 (median), $1,566,900 (average)
  • 65–74: $409,900 (median), $1,794,600 (average)
  • 75+: $335,600 (median), $1,624,100 (average)

The large gap between median and average shows how skewed wealth distribution is. Median is a better benchmark for most people.

How to Grow Your Net Worth

  • Increase your savings rate. The gap between what you earn and spend is the engine of wealth building.
  • Pay down high-interest debt. Every dollar of credit card debt eliminated directly increases your net worth.
  • Invest consistently.Long-term market returns compound dramatically—$500/month invested at 7% grows to over $1.2M in 30 years.
  • Avoid lifestyle creep. When income rises, save the raise instead of spending it. This is the single most powerful wealth-building habit.
  • Track it monthly. What gets measured gets managed. A monthly net worth check-in keeps you accountable and motivated.