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Net worth calculator

Your net worth is what you own minus what you owe. Enter your numbers below for an instant complete picture.

Total assets
$0
What you own
Total liabilities
$0
What you owe
Net worth
$0
Assets − Liabilities
Assets$0
Checking accounts
Savings accounts
Brokerage / stocks
401k / IRA
Home value
Other real estate
Vehicle(s)
Crypto
Business equity
Other assets
Liabilities$0
Mortgage balance
Other mortgages
Car loan(s)
Student loans
Credit card debt
Personal loans
Medical debt
Business loans
Tax obligations
Other liabilities
Asset breakdown
Debt-to-asset ratio
—
Lower is better. Under 50% is solid.
Liquid assets
—
Cash + checking + savings
Solvency ratio
—
Net worth ÷ total assets. Above 50% = strong.
Home equity
—
Home value minus mortgage balance

Frequently asked questions

What is a good net worth?
According to the Federal Reserve's Survey of Consumer Finances, the median US household net worth is about $192,700 (2022), while the average is $1.06 million (skewed by ultra-wealthy households). A more useful benchmark is age-based: your net worth should roughly equal your annual salary by age 30, 3× by 40, 6× by 50, and 8× by 60.
Should I include my home in net worth?
Yes, but with nuance. Your home is an illiquid asset — you can't spend it without selling or borrowing against it. Financial planners often calculate two figures: gross net worth (including home) and investable net worth (excluding home and other illiquid assets). Both are useful. This calculator includes home value as an asset with mortgage as a liability, which is the standard approach.
Should I include retirement accounts?
Yes — 401k, IRA, and pension accounts are legitimate assets even if they have withdrawal restrictions. Use the current balance, not the projected future value. Note that traditional 401k/IRA balances will be reduced by taxes upon withdrawal, so some planners discount them by their expected tax rate for a more conservative view.
How often should I calculate my net worth?
Quarterly is ideal for most people — frequent enough to track progress, not so frequent that short-term market swings cause anxiety. The most important thing is the direction of the trend over years, not the exact number on any given day. Consider recording your net worth on the same date each quarter to build a meaningful personal dataset.

Net Worth by Age — Are You on Track? (2025 US Data)

Net worth is the single most important number in personal finance — more informative than income, more actionable than credit score. It tells you where you actually stand financially, not just how much you earn.

Median and Average Net Worth by Age (Federal Reserve 2022)

Age GroupMedian Net WorthAverage Net WorthTarget (1× salary rule)
Under 35$39,000$183,500~$60,000
35–44$135,600$549,600~$240,000
45–54$247,200$975,800~$480,000
55–64$364,500$1,566,900~$720,000
65–74$409,900$1,794,600~$960,000

*Median is the realistic benchmark. Averages are heavily skewed by billionaires and ultra-high-net-worth individuals.

How to Grow Net Worth Fastest

1. Maximize employer 401k match — An instant 50–100% return. If your employer matches 3%, contribute at least 3%. Always. This is the highest-return, lowest-risk investment available.

2. Pay down high-interest debt — Every dollar of debt eliminated increases net worth by $1. Paying off a 22% credit card is a guaranteed 22% return.

3. Build home equity — For most Americans, home equity is the largest component of net worth. Extra mortgage payments accelerate equity growth.

4. Automate investing — $500/month at 8% over 30 years = $745,000. The automation removes willpower from the equation.

5. Track quarterly — People who measure their net worth grow it faster. Tracking creates accountability and shows which actions are actually moving the needle.

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