Net Worth Calculator
Calculate your net worth: total assets minus debts. With a comparison to your age group.
- Updated
For the comparison with your age group
Liquid assets€40,000
Illiquid assets€25,000
Liabilities (debts)€5,000
Your net worth
€60,000
€60,000Assets of €65,000 minus debts of €5,000 give a net worth of €60,000. That puts you roughly in the top 60% of your age group.
Asset breakdown by category
- Cash/accounts€15,00023%
- Stocks/ETFs/funds€25,00038%
- Vehicles€15,00023%
- Retirement provisions€10,00015%
Compared with households of your age (35)
Age group percentileTop 60%
- Total assets
- €65,000
- Liquid assetsLiquidity ratio: 62%
- €40,000
- Illiquid assets
- €25,000
- Total debts
- − €5,000
- Debt ratio
- 8%
- Net worth
- €60,000
How this was calculated
- Net worth = total assets minus debts
- Key figure for your financial health
- Comparison with the average for your age group
- All data is processed locally only
Comparison values: Deutsche Bundesbank, Panel on Household Finances 2023 (per household, not per person). The percentile is a rough estimate.
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Net worth: your financial balance sheet
Your net worth is the single most important figure for your financial health. It is calculated with a simple formula: total assets minus debts.
A positive net worth means you own more than you owe. The higher this number, the greater your financial security and independence.
What counts as an asset?
- Liquid assets
- Cash, checking accounts, savings accounts, fixed deposits, stocks, ETFs, funds and cryptocurrencies – anything quickly available.
- Real estate
- The current market value of your property (not the purchase price). Use valuation portals for an estimate.
- Vehicles & tangible assets
- Cars, motorcycles, motorhomes – each at current market value. Valuable collections can also be relevant.
- Retirement provisions
- Company pension schemes, private pension insurance, Riester and Rürup contracts (surrender value).
Example: net worth of a 35-year-old
- Checking and savings accounts
- €15,000
- ETF portfolio
- €45,000
- Condo (market value)
- €280,000
- Car (current value)
- €18,000
- Company pension scheme
- €12,000
- Total assets
- €370,000
- Mortgage (remaining balance)
- €195,000
- Car loan
- €8,000
- Total debts
- €203,000
- Total assets
- €370,000
- Total debts
- - €203,000
- Net worth
- €167,000
Average net worth in Germany
According to the Bundesbank and the Federal Statistical Office, net worth varies greatly by age. The median (middle value) is more meaningful than the average, since the average is skewed by a small number of very wealthy people.
Net worth by age group (median)
- 18-24 yearsMedian: ~€11,400 – career start, often a student loan
- 25-34 yearsMedian: ~€17,300 – wealth building begins
- 35-44 yearsMedian: ~€90,000 – home purchase, starting a family
- 45-54 yearsMedian: ~€155,000 – peak saving phase
- 55-64 yearsMedian: ~€241,000 – approaching retirement
- 65+ yearsMedian: ~€150,000-200,000 – wealth preservation
Frequently asked questions about net worth
Everything you need to know about calculating and interpreting your net worth
What is net worth?
Net worth is the difference between your total assets and your debts (liabilities). It shows your actual financial position.
Why should I know my net worth?
Net worth is the most important figure for your financial health. It helps with financial planning, shows progress in building wealth, and matters for loan applications or retirement planning.
How often should I calculate my net worth?
Experts recommend calculating your net worth at least once a year. For active tracking, a monthly or quarterly review is a good idea.
What counts as liquid assets?
Liquid assets include everything that can quickly (within a few days) be converted into cash: checking accounts, savings accounts, stocks, ETFs and cryptocurrencies.
Should I enter my car’s current value or its purchase price?
Always enter the current market value, not the original purchase price. Vehicles lose value quickly – a realistic figure is what comparable vehicles (model, year, mileage, condition) actually sell for today, or the value from an appraisal.