Calculate Your Net Worth
Enter your assets and debts to see your full financial picture. Try a preset or enter your own values.
Net Worth by Age — U.S. Benchmarks
How does your net worth compare? These are approximate U.S. median and average figures from Federal Reserve data.
| Age Group | Median | Average |
|---|---|---|
| Under 35 | $39,000 | $183,000 |
| 35–44 | $135,000 | $549,000 |
| 45–54 | $247,000 | $975,000 |
| 55–64 | $364,000 | $1,566,000 |
| 65–74 | $409,000 | $1,794,000 |
| 75+ | $335,000 | $1,624,000 |
Source: Federal Reserve Survey of Consumer Finances. Median is more representative than average, which is skewed by high-wealth households.
Understanding Net Worth
Net worth is the single best snapshot of your financial health. It's simply what you own minus what you owe. Tracking it over time shows whether you're building wealth or going into debt.
Formula: Net Worth = Total Assets − Total Liabilities
Common Assets:
- Cash, savings, checking accounts
- Investment accounts (brokerage, stocks, bonds)
- Retirement accounts (401k, IRA, pension)
- Real estate (home value)
- Vehicles, valuables, business ownership
Common Liabilities:
- Mortgage balance
- Car loans
- Student loans
- Credit card balances
- Personal loans, medical debt
Tip: Track your net worth monthly or quarterly. Increasing net worth means you're on the right track!
Privacy & Limitations
- All calculations run entirely in your browser -- nothing is sent to any server.
- Results are estimates for planning purposes and should not replace professional financial advice.
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Net Worth Calculator FAQ
What is Net Worth Calculator?
Net Worth Calculator is a free finance & money tool that helps you Calculate total net worth from assets and liabilities.
How do I use Net Worth Calculator?
Enter your input values, review the calculated output, and adjust inputs until you reach the result you need. The result updates in your browser.
Is Net Worth Calculator private?
Yes. Calculations run locally in your browser. Inputs are not uploaded to a server by default, and refreshing the page clears session data.
Does Net Worth Calculator require an account or installation?
No. You can use this tool directly in your browser without sign-up or software installation.
How accurate are results from Net Worth Calculator?
This tool applies standard formulas or deterministic processing logic for estimates. For medical, legal, tax, or investment decisions, verify with a qualified professional.
Can I save or share outputs from Net Worth Calculator?
You can bookmark this page and copy outputs manually. Results are not persisted in your account and are typically not embedded in the URL.