Net Worth Calculator
Calculate your true net worth by entering all your assets and liabilities. Compare yourself to national averages by age group.
Assets — What You Own
Liabilities — What You Owe
Total Assets
$480,000
Total Liabilities
$318,000
Net Worth
$162,000
Assets vs Liabilities
How Do You Compare? — US Net Worth by Age
US Median (35–44)
$135,000
US Mean (35–44)
$549,600
vs Median
+$27,000
Source: Federal Reserve Survey of Consumer Finances. Data reflects approximate values. Mean is higher than median due to wealthy outliers.
Frequently Asked Questions
What is net worth and how is it calculated?
Net worth is everything you own minus everything you owe. Assets include cash, investments, real estate, retirement accounts, and personal property. Liabilities include mortgages, loans, and credit card balances. The formula is simple: Net Worth = Total Assets − Total Liabilities. A positive net worth means you own more than you owe.
What is the average net worth by age in the US?
According to the Federal Reserve Survey of Consumer Finances, median net worth in the US is approximately $39,000 for those under 35, $135,000 for ages 35-44, $247,000 for ages 45-54, $364,000 for ages 55-64, and $409,000 for ages 65-74. Use the age comparison section above to see how you stack up.
What should I include in my net worth calculation?
Include all assets: bank accounts, investment and brokerage accounts, retirement accounts, home equity, vehicles, and valuable personal property. For liabilities include all outstanding balances: mortgage, auto loans, student loans, credit cards, and personal loans. Be as accurate as possible for the most useful result.
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