Net Worth Calculator
Overview
Calculate your total net worth by adding assets and subtracting liabilities with age-based percentile benchmarks
Key Facts
| Field | Value |
|---|---|
| Calculator ID | net-worth |
| Category | Finance |
| Vertical | Finance & Wealth |
| App route | /verticals/finance/net-worth |
| API endpoint | /api/public/calculate?id=net-worth |
Inputs
| Input ID | Label | Type | Required | Default | Constraints |
|---|---|---|---|---|---|
age | Your Age | number | Yes | 30 | min 18, max 100, step 1 |
cashSavings | Cash & Savings | currency | No | 15000 | min 0, max 100000000, step 100 |
investments | Investments | currency | No | 50000 | min 0, max 100000000, step 100 |
realEstate | Real Estate Value | currency | No | 300000 | min 0, max 100000000, step 1000 |
vehicles | Vehicles | currency | No | 20000 | min 0, max 10000000, step 500 |
otherAssets | Other Assets | currency | No | 5000 | min 0, max 100000000, step 100 |
mortgage | Mortgage Balance | currency | No | 250000 | min 0, max 100000000, step 1000 |
studentLoans | Student Loans | currency | No | 30000 | min 0, max 1000000, step 100 |
carLoans | Car Loans | currency | No | 15000 | min 0, max 500000, step 100 |
creditCardDebt | Credit Card Debt | currency | No | 5000 | min 0, max 500000, step 50 |
otherDebt | Other Debt | currency | No | 0 | min 0, max 10000000, step 100 |
How to Use
- Add All Assets — Enter cash, savings, investments, real estate value, vehicles, and other assets
- Add All Liabilities — Enter mortgage, student loans, car loans, credit cards, and other debt balances
- View Net Worth — See your total net worth (assets - liabilities), asset allocation, and percentile ranking vs your age group
Result Surfaces
| Output | Display Type | Format |
|---|---|---|
| Computed results | result-card | - |
Related Calculators
FAQ
What is a good net worth by age?
By 30: aim for 1x annual income. By 40: 3x income. By 50: 6x income. By 65: 10-12x income. Median net worth in US is $7K at 25, $30K at 30, $120K at 40, $250K at 50, and $500K at 65. Top 10% have 5-10x these amounts.
Should I include my house in net worth?
Yes, but use current market value minus mortgage. A $300K house with $250K mortgage adds $50K to net worth. Some financial planners exclude primary residence since it's illiquid (can't easily convert to cash) but including it gives full financial picture.
Is negative net worth bad?
Common for young adults with student loans. Graduating with $50K debt and $5K assets = -$45K net worth. Focus on income growth and debt payoff. Most people hit $0 by 30 and grow from there. It's a starting point, not a life sentence.
Evidence
src/lib/calculators/registry.ts(metadata)src/lib/calculators/page-registry.ts(page/HowTo metadata)src/lib/calculators/finance/net-worth.ts(calculator config)