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Net worth calculator
Net worth = total assets minus total liabilities. The one number that captures your full financial picture. See yours and how it compounds over decades.
Assets vs liabilities checklist
| Assets (+) | Liabilities (−) |
|---|---|
| Checking, savings, HYSA, money market | Mortgage balance |
| 401(k), IRA, Roth IRA, HSA | Auto loans |
| Taxable brokerage accounts | Student loans |
| Home equity (current value − mortgage) | Credit card balances |
| Other real estate (current market value) | Personal loans |
| Vehicles (current resale value) | Medical debt |
| Business equity, crypto, collectibles | Tax debt |
Median US net worth by age (2025 Fed SCF data)
| Age range | Median | Mean (skewed high) |
|---|---|---|
| Under 35 | $39,000 | $183,000 |
| 35–44 | $135,300 | $549,600 |
| 45–54 | $246,700 | $975,800 |
| 55–64 | $364,300 | $1.56M |
| 65–74 | $409,900 | $1.79M |
| 75+ | $335,600 | $1.62M |
Why track net worth monthly
Single number that catches every financial flow: saving, paying down debt, investment growth, home appreciation, spending. If net worth is trending up, the system is working. If flat or down, something's leaking. Easier and more useful than tracking every category individually.
Net Worth Calculator FAQ
Should I include my home in net worth?
Yes — use current market value (Zillow, Redfin, recent comps) and subtract mortgage balance. The result is home equity. Some prefer to track net worth with and without home equity separately, since home isn't liquid; both views are valid.
Should I include my car?
Yes, at current resale value (Kelley Blue Book private-party). Cars depreciate fast, so the asset value falls every year even with no balance change. Many people exclude cars to keep net worth focused on investable assets.
How often should I calculate net worth?
Monthly is ideal — frequent enough to spot trends, not so frequent you're reacting to noise. Use the same day each month (e.g., the 1st) for consistency. Quarterly works for households with stable balances.
What's a good net worth for my age?
Median benchmarks: $39k under 35, $135k at 35–44, $247k at 45–54, $364k at 55–64. But median is low for retirement adequacy — top quartile is more relevant for hitting independence. The 'right' number depends on your spending and target.
Is high net worth the same as being rich?
Almost. Net worth measures wealth at a point in time. Income measures cash flow. You can have low net worth and high income (early career, big spender) or high net worth and modest income (long-term saver, retiree). True wealth = net worth that throws off income covering expenses.
How does net worth grow over time?
Three engines: (1) saving — adding to assets from income; (2) debt payoff — reducing liabilities; (3) appreciation — assets growing on their own (stock market, home equity). All three compound. Most people underestimate how much engine 3 contributes after year 10–15.