Net Worth Tracker - Your Financial Health Snapshot
Track and visualize your net worth with our free calculator. Add your assets and liabilities by category to see your complete financial picture. Your data is stored locally in your browser and never sent to any server.
What is Net Worth?
Net worth is the difference between what you own (assets) and what you owe (liabilities). It's the single most important number for measuring your financial health and progress toward financial independence.
Net Worth = Total Assets − Total Liabilities
Types of Assets
- Cash & Savings: Checking, savings, money market accounts
- Investments: Brokerage accounts, stocks, bonds, mutual funds
- Retirement: 401(k), IRA, Roth IRA, pension plans
- Real Estate: Home equity, rental properties, land
- Vehicles: Cars, motorcycles, boats (current market value)
- Other: Business equity, collectibles, cryptocurrency
Types of Liabilities
- Mortgage: Remaining balance on home loans
- Student Loans: Federal and private education debt
- Auto Loans: Car financing and leases
- Credit Cards: Outstanding balances
- Personal Loans: Unsecured debt, lines of credit
- Other: Medical debt, back taxes, BNPL balances
Net Worth Benchmarks by Age
- Age 25: $10,000 - $30,000
- Age 30: $50,000 - $100,000
- Age 35: $100,000 - $200,000
- Age 40: $200,000 - $400,000
- Age 50: $400,000 - $800,000
- Age 60: $800,000 - $1,500,000
These are rough guidelines. Your situation may vary based on location, career, and goals.
How to Increase Net Worth
- Pay down high-interest debt aggressively
- Maximize retirement contributions (401k match!)
- Build an emergency fund (3-6 months expenses)
- Invest consistently in diversified index funds
- Increase income through skills, promotions, or side hustles
- Track your net worth monthly to stay motivated
Key Ratios to Watch
- Debt-to-Asset Ratio: Under 50% is healthy
- Savings Rate: Aim for 20%+ of income
- Emergency Fund: 3-6 months of expenses
Complete Privacy
Your financial data is extremely sensitive. That's why our net worth tracker stores everything locally in your browser using localStorage. Nothing is ever transmitted to any server. Your data stays on your device.