Net Worth Calculator

Anything with resale or market value: cash and bank balances, investment and retirement accounts, property at current market value, vehicles, and significant valuables. Everyday possessions (furniture, clothing) are typically excluded since they have little resale value and are hard to price accurately.

Not necessarily, especially early in adulthood — student loans, a new mortgage, or early-career low savings commonly produce a negative net worth that improves steadily as income grows and debt is paid down. What matters most is the trend over time, not any single snapshot.

Yes, most people do — use its current estimated market value as an asset and the remaining mortgage balance as a liability, which correctly nets out to your actual home equity. Some prefer excluding the home entirely to focus on 'liquid net worth' (assets you could access without selling where you live) — track both if that distinction matters to you.

Every 3–6 months is a good rhythm for most people — frequent enough to catch meaningful trends, infrequent enough to avoid over-reacting to short-term market swings in investment or property values.

There's no single universal benchmark since income, cost of living and starting circumstances vary enormously — most financial planners suggest focusing on your own trend line (is it consistently rising?) rather than comparing to population averages, which can be skewed by a small number of very high net worth individuals.