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Assets

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Liabilities

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Your Wealth Snapshot

Your Net Worth

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Net Worth Projections

Annual Savings Added ($)

Expected Annual Return (%)

Debt Paydown Rate ($/yr)

Year	Assets	Liabilities	Net Worth	Growth
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Net Worth Benchmarks by Age

Your Age

Your Annual Income ($)

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Wealth Percentile Estimator

Calculate your net worth first to see your percentile.

Wealth History Tracker

Save snapshots of your net worth over time to track progress.

How to Use This Calculator

1

Enter Your Assets

Use the quick-add chips or type custom labels. Include cash, investments, real estate, vehicles, and retirement accounts at current market value.

2

Enter Your Liabilities

List all debts: mortgage balance, car loans, student loans, credit card balances, and any other obligations. Values update instantly.

3

Review Your Wealth Score

See your net worth, Wealth Score (0–100), liquid position, and how you compare to US median benchmarks by age group.

Net WorthTotal Assets − Total Liabilities

Liquid Net WorthLiquid Assets − Non-Mortgage Debts

Debt-to-Asset RatioTotal Liabilities ÷ Total Assets × 100

Key Terms

Net Worth — The difference between everything you own (assets) and everything you owe (liabilities).

Liquid Assets — Cash or assets easily converted to cash: savings, checking, money market, stocks, ETFs.

Illiquid Assets — Assets that take time to convert to cash: real estate, retirement accounts, collectibles, business equity.

Liabilities — All debts and financial obligations: mortgage, car loans, student loans, credit card balances.

Debt-to-Asset Ratio — Liabilities ÷ Assets — measures what percentage of your assets are financed by debt.

Home Equity — Current market value of your home minus the remaining mortgage balance.

Retirement Accounts — Tax-advantaged accounts (401k, IRA, Roth IRA) — counted at current balance, not future value.

Median Net Worth — The midpoint value where half of Americans have more and half have less — a better benchmark than the average, which is skewed by the ultra-wealthy.

Real-World Examples

Early Career, Age 30

$10K savings + $25K 401k + $8K car − $35K student loans − $12K car loan − $3K CC = −$7K net worth. Normal for 30 — focus on eliminating high-interest debt first.

Mid-Career, Age 45

$30K cash + $180K 401k + $250K home equity + $40K investments − $80K mortgage − $15K car = $405K net worth. Well above median for the age group.

Pre-Retirement, Age 60

$50K cash + $600K retirement + $350K home equity + $150K investments − $50K mortgage = $1.1M net worth. On track for a comfortable retirement.

Net Worth: Your Financial Scorecard and How to Grow It

Net worth is the single most comprehensive snapshot of your financial health. Unlike income (what you earn) or credit score (how reliably you pay), net worth measures actual wealth accumulation: the difference between everything you own and everything you owe. Tracking your net worth over time is one of the most motivating and informative financial habits you can develop.

Assets fall into two categories: liquid (cash, savings, investments, brokerage accounts) and illiquid (real estate, retirement accounts, business equity, collectibles). Liquid assets are your immediate financial cushion — they can be accessed quickly in an emergency. Illiquid assets represent long-term wealth but cannot be accessed instantly. A complete net worth picture includes both.

On the liabilities side, list every debt: mortgage balance, home equity line, car loans, student loans, credit card balances, personal loans, and any other obligations. The total of all liabilities subtracted from total assets gives your net worth. Negative net worth (more debt than assets) is common early in life — particularly with student loans and mortgages — and is not cause for alarm as long as you are building equity over time.

The median US net worth is approximately $192,000 according to the Federal Reserve's Survey of Consumer Finances (2022). However, medians vary dramatically by age: the median for those under 35 is about $39,000, while those 65–74 have a median of around $410,000. Comparing yourself to age-specific benchmarks is more useful than the overall median. A rough guideline: by age 40, target net worth of (age × pre-tax income) ÷ 10.

The most reliable ways to grow net worth are: spending less than you earn, maximizing tax-advantaged retirement contributions, paying down high-interest debt, investing consistently in diversified assets, and avoiding lifestyle inflation as income rises. Small consistent actions — an extra $200/month invested at 7% annual return over 30 years — compound to over $220,000 in additional wealth. Track your net worth quarterly to stay motivated and course-correct early.

Frequently Asked Questions

What is net worth?

Net worth is total assets minus total liabilities. It measures your accumulated financial position — the difference between everything you own and everything you owe.

What is a good net worth?

It depends on age and income. Median US net worth is ~$192K overall, but benchmarks vary by age. Under 35: ~$39K; 35–44: ~$135K; 45–54: ~$247K; 55–64: ~$365K; 65–74: ~$410K (Federal Reserve, 2022).

Should I include my home in net worth?

Yes, at current market value, minus the remaining mortgage balance (your equity). Your home equity is a real asset, though an illiquid one.

Should I include retirement accounts?

Yes, at current balance. Though you can't touch them without penalty before 59½, they are real assets growing for your future. Include 401(k), IRA, Roth IRA, and pension present values.

What is liquid net worth?

Liquid net worth excludes illiquid assets like real estate and retirement accounts, counting only cash, savings, and taxable investments minus non-mortgage debts. It shows how much you could access quickly in an emergency.

How often should I calculate net worth?

Quarterly is ideal for most people — frequent enough to stay aware, but not so frequent that short-term market swings cause anxiety. Use the History Tracker to save snapshots and see your progress.

Is negative net worth bad?

Negative net worth is common and expected early in life (student loans, mortgages before equity builds). It is not inherently bad — what matters is the trend. Is it improving month over month?

What is the debt-to-asset ratio?

Liabilities ÷ Assets. Below 30%: excellent. 30–50%: good. Above 50%: high leverage — a priority to reduce. Above 100% means you owe more than you own.

Net Worth Calculator