Free net worth calculator
Find your net worth in two minutes. Enter what you own (cash, investments, home, vehicles) and what you owe (mortgage, loans, cards). The calculator returns your net worth, total assets and liabilities, your debt-to-asset ratio, and how you compare to US medians for your age — updated live, as you type.
On this page14 sections
Estimates only, based on the values you enter. Not financial advice.
Results are estimates. Consult a professional.
What is net worth?
Net worth is the single clearest snapshot of your financial position: everything you own (your assets) minus everything you owe (your liabilities). A positive number means your assets outweigh your debts; a negative number means the reverse. It is the figure lenders, mortgage underwriters, and financial advisors use to size up a household in one line — and the number this net worth calculator returns the moment you enter your assets and liabilities.
Net worth vs. income — why your salary isn't your net worth
A common mistake is to confuse income with net worth. Your salary is what you earn; your net worth is what you have kept and built. A high earner who spends everything can have a lower net worth than a modest earner who saves and invests consistently. Income flows in and out each month; net worth is the accumulated result. That is why this calculator never asks for your salary — only what you own and owe.
How to calculate your net worth
Calculating net worth is a three-step process. Use current market values throughout — what an asset would sell for today, not what you paid for it.
- Add up your assets. Cash and savings, retirement and investment accounts, your home's current market value, vehicles at resale value, and anything else of cash value.
- Add up your liabilities. Your mortgage balance, auto and student loans, credit-card balances, and any other debt you owe.
- Subtract liabilities from assets. The result is your net worth. The calculator above does this live as you type.
Assets and liabilities explained
What counts as an asset
Use today's market value, not the purchase price. A home is worth what it would sell for now minus selling costs; a car is worth its current resale value, which for most vehicles is well below the sticker.
- Cash & savings — checking, savings, money-market, CDs.
- Investments & retirement — brokerage accounts, 401(k), IRA, Roth, pensions (cash value).
- Real estate — your home and any other property, at market value.
- Vehicles & personal property — cars, boats, and valuables at resale value.
What counts as a liability
- Mortgage — the outstanding balance on your home loan.
- Loans — auto, student, and personal loans.
- Revolving debt — credit-card and line-of-credit balances.
- Other debt — medical debt, taxes owed, and buy-now-pay-later balances people often forget.
A worked example using the net worth calculator
Maria and James are both 40. They want to know where they stand. Here is how they use the calculator — assets first, then liabilities, then the subtraction.
Step 1 — Add up the assets
They enter each asset at its current market value: $25,000 in cash and savings, $140,000 in retirement and investment accounts, a home worth $320,000 today, and an $18,000 car.
| Asset | Value |
|---|---|
| Cash & savings | $25,000 |
| Investments & retirement | $140,000 |
| Home (market value) | $320,000 |
| Vehicle (resale value) | $18,000 |
| Total assets | $503,000 |
Step 1 result: total assets of $503,000.
Step 2 — Add up the liabilities
Next they enter what they owe: a $210,000 mortgage balance, a $14,000 car loan, and $6,000 on credit cards.
| Liability | Balance |
|---|---|
| Mortgage | $210,000 |
| Car loan | $14,000 |
| Credit cards | $6,000 |
| Total liabilities | $230,000 |
Step 2 result: total liabilities of $230,000.
Step 3 — Subtract liabilities from assets
Now see how that compares. Maria and James are in the 35–44 age band, where the US median net worth is about $135,600. At $273,000 they are comfortably above the median for their age — driven, as it is for most households, by home equity and retirement savings. The next section shows the full by-age benchmarks.
Average and median net worth by age
There is no universal 'good' net worth — it depends on your age, income, and where you live. The most useful comparison is against typical figures for your age band. Below are US household figures from the Federal Reserve's most recent Survey of Consumer Finances. Median (the typical household, the middle of the pack) is far more representative than mean (the average, pulled upward by the very wealthy).
| Age of head of household | Median net worth | Mean (average) net worth |
|---|---|---|
| Under 35 | $39,000 | $183,500 |
| 35–44 | $135,600 | $549,600 |
| 45–54 | $247,200 | $975,800 |
| 55–64 | $364,500 | $1,566,900 |
| 65–74 | $409,900 | $1,794,600 |
| 75+ | $335,600 | $1,624,100 |
Source: US Federal Reserve, Survey of Consumer Finances (2022, released 2023).
What is a good net worth by age?
Tables give numbers; the real question is whether you are doing okay. A simple read: if your net worth is at or above the median for your age band, you are ahead of at least half of US households your age. The medians make useful checkpoints — roughly $39,000 by your mid-30s, $135,000 by your mid-40s, $247,000 by your mid-50s, and $365,000 as you approach retirement.
Don't over-anchor on a single target, though. Two 45-year-olds with identical net worth can be in very different shape if one's wealth is liquid investments and the other's is locked in home equity. And a negative net worth early in life — common with student loans or a new mortgage — is normal; the trajectory matters more than the snapshot.
Net worth percentile — how do you rank?
Percentile answers 'what share of households have less than me?' A net worth at the 50th percentile means you are exactly in the middle; the 90th percentile means only 10% have more. As rough US anchors: median household net worth sits near $193,000, the top 10% begins around $1.9 million, and the top 1% starts in the range of $11–12 million.
Percentiles shift dramatically by age, so the most honest comparison is always within your own age band — a $250,000 net worth is top-tier for someone under 35 but middle-of-the-pack at 60.
How to increase your net worth
Net worth moves through four levers — two on each side of the balance sheet:
- Pay down high-interest debt. Every dollar off a 22% credit card is a guaranteed 22% return — better than almost any investment.
- Build invested assets. Retirement and brokerage accounts compound; cash sitting in checking does not keep pace with inflation.
- Protect home equity. For most households the home is the largest asset; extra principal payments and avoiding cash-out refinancing preserve it.
- Avoid financing depreciating purchases. Financing a car that loses value while you pay interest works against both sides of the equation at once.
Track the number quarterly, not daily — net worth is a slow-moving metric. Pair this calculator with a budget and a debt-payoff plan to actually move it.
Data sources and methodology
All benchmark figures come from the US Federal Reserve's Survey of Consumer Finances (2022), published in the report Changes in U.S. Family Finances from 2019 to 2022 (released October 2023) — the most recent authoritative dataset on US household wealth. Figures are by age of the head of household and are not inflation-adjusted beyond the survey year.
US Federal Reserve, Survey of Consumer Finances (2022).Frequently asked questions about the free net worth calculator
About this net worth calculator
This net worth calculator runs entirely in your browser. Every figure you enter stays on your device — nothing is sent to a server, logged, or shared. It sums your assets, sums your liabilities, subtracts one from the other, and compares the result against US Federal Reserve age-band medians, updating instantly as you type.
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