Skip to main content
/
net worthassetsliabilitiesfinancial snapshotwealth trackingpersonal finance
//// Financial · Wealth Tracking

Net Worth Calculator

Your financial snapshot in one number. Add your assets and liabilities, benchmark against your age group, and save snapshots to track your progress over time.

Where this fits

💸 Budgeting & Cash FlowCash FlowHouseholds

This tool lives inside Cash Flow and is most useful for households.

401(k) Limit 2024$23,000
Roth IRA Limit$7,000
S&P 500 Avg Return~10%/yr

Your Current Net Worth

$0

Total Assets

$0

Total Liabilities

$0

Assets

$
$
$
$
$
$
$
Total Assets$0

Liabilities

$
$
$
$
$
Total Liabilities$0

Median 25-year-old — Median Net Worth

$10,000

You are $10,000 below the median (-100%)

Below median is common early on. Consistency beats speed.

Progress Snapshots

(stored locally in your browser)

No snapshots yet. Save one to start tracking your progress over time.

1

Financial assets

checking + 401(k) + IRA + brokerage + other assets

= $0 + $0 + $0 + $0 + $0

= $0

These are the accounts and financial assets that form the core investable side of your balance sheet.

Personal balance sheet asset classification

2

Tangible assets

home value + vehicle value

= $0 + $0

= $0

These are physical assets you own that still count toward net worth, even though they are less liquid than cash or investments.

Personal balance sheet asset classification

3

Total assets

Total Assets = Checking & Savings + 401(k) + IRA + Brokerage + Home + Vehicle + Other

= $0 + $0 + $0 + $0 + $0 + $0 + $0

= $0

Total assets add every positive-value asset on the balance sheet before subtracting any debt.

Net worth statement identity

4

Total liabilities

Total Liabilities = Mortgage + Car Loan + Student Loans + Credit Cards + Other Debt

= $0 + $0 + $0 + $0 + $0

= $0

Liabilities capture every debt claim against your assets, from secured loans to revolving consumer balances.

Net worth statement identity

5

Home equity

home value − mortgage balance

= $0 − $0

= $0

Home equity isolates the ownership value in your property after subtracting the mortgage still owed.

Home equity formula

6

Debt-to-assets ratio

(total liabilities ÷ total assets) × 100

0 ÷ 0

= 0.0%

This ratio shows how much of your asset base is financed by debt rather than owned outright.

Leverage ratio from balance-sheet analysis

7

Net worth

Net Worth = Total Assets − Total Liabilities

= $0 − $0

= $0

Positive net worth means your assets exceed your liabilities.

Fundamental net worth formula

8

Age benchmark comparison

Difference = Net Worth − Median for Age Group

= $0 − $10,000 (Median 25-year-old)

= -$10,000 (-100.0%)

This compares your current net worth against the median balance sheet for the nearest benchmark age bucket in the Federal Reserve survey data.

Federal Reserve SCF 2022

Key insight

Net Worth = Total Assets − Total Liabilities. Positive net worth means your assets exceed your debts. Tracking it monthly reveals compounding progress you can't feel day-to-day.

#ShowYourWork

You might also need

50/30/20 Budget Builder

Build your budget with the 50/30/20 rule. Enter your income and expenses — get real-time feedback on each spending bucket with colored progress bars and gap analysis.

Try it

Savings Rate Calculator

Calculate your savings rate and see how it affects your path to financial independence. FI number, years to FI, projected retirement balance, and a sensitivity table across 5–70% savings rates.

Try it

Retirement Savings Calculator

Find out if you're on track to retire comfortably. See your projected balance, inflation-adjusted income, and exactly how much more to save each month to close any gap.

Try it