Net Worth Calculator
Your net worth is everything you own minus everything you owe. Enter your balances below. You can type shorthand like 50K or 1.5M.
Red line = portfolio needed at target so the simulation never depletes (SS, withdrawal order, taxes, etc.).
What This Calculator Does
The StockWatch Net Worth Calculator gives you a complete view of your financial health:
- Summary shows your net worth at a glance with an asset allocation donut chart, debt burndown timeline, and retirement projection.
- Assets lets you track liquid assets (cash, brokerage, crypto), retirement accounts (401k, IRA, pension), real estate equity, and personal property.
- Liabilities helps you manage debts with per-loan payoff estimates, extra payment planner, debt snowball toggle, and a stacked burndown chart.
- Retirement & Goals lets you set a net worth target, project your retirement readiness, and see your earliest FIRE age.
How Net Worth Is Calculated
Net worth = Total Assets − Total Liabilities. Your assets include every account and piece of property you own. Your liabilities are every debt you owe. The difference is your net worth, the single most important number in personal finance. This calculator groups assets by liquidity (how quickly you can access the money) and pairs property values with their associated mortgages to show true equity.
US Net Worth by Age
See where you stand relative to the Federal Reserve Survey of Consumer Finances. The calculator shows both median (50th percentile) and average (mean). The average is significantly higher because wealth is concentrated at the top.
| Age Group | Median | Average |
|---|---|---|
| Under 25 | $10,800 | $120,500 |
| 25–34 | $39,000 | $183,000 |
| 35–44 | $135,000 | $549,000 |
| 45–54 | $247,000 | $975,000 |
| 55–64 | $364,000 | $1,566,000 |
| 65–74 | $410,000 | $1,794,000 |
Source: Federal Reserve Survey of Consumer Finances (SCF 2022)
Frequently Asked Questions
What is net worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). A positive net worth means your assets exceed your debts. Building net worth over time is the core goal of personal financial planning.
What is the debt snowball?
When debt snowball is enabled, once a debt is fully paid off its monthly payment automatically rolls into the next highest-rate debt. This creates an accelerating payoff effect. Each debt you eliminate frees up more money for the next one. Toggle it on in the Liabilities tab to see the difference on the burndown chart.
How much net worth do I need to retire?
A common starting point is the 25x rule: multiply your expected annual retirement spending by 25. Spending $60,000/year means targeting $1.5M in investable assets (a 4% safe withdrawal rate). Use the Retirement & Goals tab or the full Retirement Calculator to model your specific situation with Social Security, multiple account types, and tax-aware withdrawals.
Is my data saved?
Your data auto-saves to your browser's local storage, so it persists between visits on the same device. Create a free account to sync across devices. You can type shorthand like 50K or 1.5M in any dollar field.