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The Cash Navigator

Net Worth Calculator

Add up what you own and what you owe to see your true financial picture.

Your Net Worth

$110,000

Total Assets

$426,000

−

Total Liabilities

$316,000

Assets — What You Own

Cash & Savings

$
$
$

Investments

$
$
$

Real Estate

$
$

Personal Property

$
$
Total Assets$426,000

Liabilities — What You Owe

Real Estate Debt

$

Loans

$
$
$

Consumer Debt

$
$
Total Liabilities$316,000

Assets vs. Liabilities

Assets (57%)Liabilities (43%)

Frequently Asked Questions

What is net worth?

Net worth is the difference between everything you own (assets) and everything you owe (liabilities). A positive net worth means your assets exceed your debts. A negative net worth means you owe more than you own — common early in life.

What is the average net worth by age?

According to the Federal Reserve, median net worth by age group (2022): Under 35: ~$39,000 | 35–44: ~$135,000 | 45–54: ~$247,000 | 55–64: ~$365,000 | 65–74: ~$410,000. These are medians — half of people are above, half below.

How often should I calculate my net worth?

Quarterly or annually is enough for most people. The goal is to track the trend over time — is it growing? Tracking too frequently can cause unnecessary anxiety from short-term market fluctuations.

Should I include my home in net worth?

Yes — your home equity (home value minus mortgage balance) is a real asset. However, it's illiquid, so many financial planners also track "liquid net worth" separately, which excludes home equity and retirement accounts.