Calculate your total net worth by tracking all your assets and liabilities.
Jewelry, collectibles, etc.
Assets: $525,000 · Debts: $329,000
| Liquid Assets | $20,000 |
| Invested Assets | $130,000 |
| Physical Assets | $375,000 |
| Total Assets | $525,000 |
| Total Liabilities | $329,000 |
| Home Equity | $70,000 |
| Net Worth | $196,000 |
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You have $0 in total assets — see if you're on track to retire.
Open Retirement Savings with your numbersNet Worth = Total Assets − Total Liabilities
Assets: everything you own with monetary value (cash, investments, property, vehicles).
Liabilities: everything you owe (mortgages, loans, credit card balances).
Median net worth by age (US 2023): 35-44: $91,300. 45-54: $168,600. 55-64: $212,500. 65-74: $266,400. Mean (average) is higher due to wealth inequality.
Cash, checking/savings, investments, retirement accounts (401k, IRA), home equity, vehicles, business equity, life insurance cash value, personal property.
All liabilities: mortgage, car loans, student loans, credit card balances, personal loans, HELOC, medical debt, business debt. Net worth = Assets - All Liabilities.
Financial rule: at 40, net worth should be 3-4x your annual salary. At $80K income: $240K-$320K. But everyone's situation differs — focus on your trajectory.
Monthly is ideal — it keeps you motivated and catches financial drift early. At minimum quarterly. Track changes over time in a spreadsheet or app.
Calculations are for educational purposes only. Consult a qualified financial advisor for personalized advice.