免费净资产计算器
汇总您的资产和负债，计算个人净资产，全面了解您的财务状况。
Net Worth
$140,000
Net Worth vs Cash & Savings
公式
Net Worth Formula
Net Worth = Total Assets - Total Liabilities
Assets include everything you own (cash, investments, property). Liabilities include everything you owe (mortgage, loans, credit cards).
计算示例
Calculating net worth with typical middle-class finances.
- 01Total assets = $15,000 + $50,000 + $250,000 + $20,000 = $335,000
- 02Total liabilities = $180,000 + $15,000 = $195,000
- 03Net worth = $335,000 - $195,000 = $140,000
常见问题
What is average net worth by age?
Median net worth by age: Under 35: ~$39,000, 35-44: ~$135,000, 45-54: ~$247,000, 55-64: ~$364,000, 65-74: ~$410,000.
What should be included in net worth?
Assets include cash, checking and savings accounts, retirement accounts (401k, IRA), brokerage accounts, real estate market value, vehicles, and valuable personal property. Liabilities include mortgages, student loans, auto loans, credit card balances, and any other money you owe.
Is it normal to have a negative net worth?
Yes, especially for young adults with student loans or recent homebuyers with large mortgages. A negative net worth simply means your debts exceed your assets. The key metric is the trend: as long as your net worth is increasing over time, you are moving in the right direction.
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