What Is Net Worth?
Your net worth is the simplest measure of your financial health: everything you own (assets) minus everything you owe (liabilities). If the number is positive, you own more than you owe. If it is negative, your debts outweigh your assets — which is more common than most people admit, and the first step to fixing it is knowing the number.
Use the calculator above: enter your numbers, and it totals everything live. No signup, no data leaves your browser.
What Counts as an Asset?
Anything with cash value that you own: money in checking and savings accounts, investments such as stocks, bonds and retirement accounts, the market value of real estate you own, vehicles, and valuables like jewelry or collectibles. Be honest and use current market values, not what you paid.
What Counts as a Liability?
Anything you owe: mortgage balances, student loans, auto loans, credit card balances, medical debt, and any other money you must repay. Include the full remaining balance, not the monthly payment.
Average Net Worth by Age in the US (2026)
Wondering how you compare? The figures below are approximate medians from the U.S. Federal Reserve’s Survey of Consumer Finances (2022, the latest full release), adjusted for inflation:
| Age group | Approx. median net worth |
|---|---|
| Under 35 | ~$39,000 |
| 35–44 | ~$135,000 |
| 45–54 | ~$247,000 |
| 55–64 | ~$364,000 |
| 65–74 | ~$410,000 |
| 75+ | ~$335,000 |
Remember: medians hide enormous variation. Your trajectory matters more than a single snapshot.
5 Simple Ways to Grow Your Net Worth
- Kill high-interest debt first. Credit card interest compounds against you; every dollar of 20% debt repaid is a guaranteed 20% return.
- Pay yourself first. Automate a fixed transfer to savings or investments on payday, before spending.
- Invest the difference. Money sitting in checking loses value to inflation; broad-market index funds have historically grown wealth over decades.
- Track it quarterly. Recalculate your net worth every 3 months with this page — what gets measured gets managed.
- Avoid lifestyle creep. When income rises, raise your savings rate before raising your spending.
Frequently Asked Questions
What is a good net worth for my age?
Compare against the median table above, but treat it as a rough benchmark, not a verdict. Consistent savers in their 30s often sit well above the median; that is normal.
Should I include my home in net worth?
Yes — include your home’s current market value as an asset and the remaining mortgage as a liability. Just remember that home equity is not liquid cash.
Is net worth the same as income?
No. Income is what you earn; net worth is what you keep. High earners with high spending can have a lower net worth than modest earners who save consistently.
How often should I calculate my net worth?
Quarterly is the sweet spot — frequent enough to spot trends, infrequent enough that market noise does not distract you.
Why is my net worth negative?
Usually student loans or a new mortgage outweighing early savings. It is common under 35 and fixable: the plan above (debt first, automate savings) is the standard path out.
Is this calculator private?
Yes. Every calculation happens in your own browser — nothing you type is sent to our servers or stored anywhere.