How is net worth calculated?

Net worth equals total assets minus total liabilities. The calculator adds up your cash, investments, retirement accounts, home and vehicle value and other assets, then subtracts your mortgage, car loan, credit card debt, student loans and other debts.

Can net worth be negative?

Yes. If your debts exceed your assets — common for recent graduates or new homeowners — your net worth is negative. The figure turns red in the calculator to signal this.

What assets should I include?

Include everything you own that has resale value: bank balances, brokerage and retirement accounts, the market value of your home and vehicles, and other valuables. Use current market values, not purchase prices.

How do I compare my net worth to others my age?

Enter your age and the calculator shows the U.S. median net worth for your age band from the Federal Reserve Survey of Consumer Finances, plus what percentage of that median you have reached.

Net Worth Calculator — What Are You Really Worth?

Know exactly where you stand financially

To calculate net worth: subtract your total liabilities from your total assets. Assets include cash, investments, property, and retirement accounts. Liabilities include mortgage balance, car loans, credit card debt, and student loans. The average US net worth at age 35 is $76,000. Use the interactive tool below to calculate yours.

Quick Answer

Net worth equals total assets minus total liabilities. The median US net worth is approximately $192,700. By age group: under 35 median is $39,000, ages 35–44 is $135,000, ages 45–54 is $247,000, ages 55–64 is $364,000. Home equity is the largest asset for most Americans, typically representing 40–60% of total net worth.

Net worth is the most comprehensive measure of financial health. It includes all assets — cash, investments, real estate and personal property — minus all debts including mortgages, car loans, student loans and credit card balances. Tracking net worth over time shows whether your financial position is improving or deteriorating.

Built by Pierre — MBA, Business Strategist & AI Consultant, Founder of DayblipAbout the author →

💚 Assets

Checking & Savings ($)Investments ($)Retirement Accounts ($)Home Value ($)Vehicle Value ($)Other Assets ($)

🔴 Liabilities

Mortgage Balance ($)Car Loan ($)Credit Card Debt ($)Student Loans ($)Other Debts ($)

Your Net Worth

Total Assets

Total Liabilities

📊 How Do You Compare?

Age Range	Median Net Worth
25–34	$14,000
35–44	$91,000
45–54	$168,000
55–64	$213,000
65+	$266,000

Enter your assets and liabilities above to see your personalized net worth action plan.

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Source: Federal Reserve Survey of Consumer Finances. For educational purposes only. Medians vary by location, occupation and many other factors.

Frequently Asked Questions

Net worth is the total value of everything you own minus everything you owe. Assets include cash, investments, real estate, and personal property. Liabilities include mortgage balance, car loans, student loans, and credit card debt.

According to Federal Reserve Survey of Consumer Finances data, median net worth by age is approximately: under 35 — $39,000; 35 to 44 — $135,000; 45 to 54 — $247,000; 55 to 64 — $365,000; 65 to 74 — $410,000. Mean values are significantly higher due to wealth concentration at the top.

Yes. Home equity — the market value of your home minus your remaining mortgage balance — is a major component of net worth for most American households.

Tracking net worth quarterly or annually gives a useful picture of financial progress. Monthly tracking can feel noisy due to market fluctuations in investment accounts.