Net Worth Calculator

Calculate your net worth, see how you compare to your age group, and project your path to financial milestones.

Assets

Cash & Savings

Checking, savings, money market, CDs

Investments

Brokerage, stocks, bonds, mutual funds, ETFs

Retirement Accounts

401(k), IRA, Roth IRA, pension value

Real Estate

Primary home market value + rental properties

Vehicles

Current market value (KBB), not purchase price

Other Assets

Business equity, crypto, HSA, collectibles

Liabilities

Mortgage

Remaining balance, not original loan amount

Student Loans

Credit Card Debt

Auto Loans

Other Debt

Personal loans, medical debt, HELOC

Your Age

For benchmark comparison

Your Net Worth

$144,000

Assets

Total Assets$457,000

Cash & Savings$15,000

Investments$25,000

Retirement Accounts$45,000

Real Estate$350,000

Vehicles$22,000

Liabilities

Total Liabilities$313,000

Mortgage$280,000

Auto Loans$12,000

Student Loans$18,000

Credit Cards$3,000

Benchmark

Median for 35-44$135,600

Mean for 35-44$549,600

vs. Median+$8,400 above

Your PercentileTop 49% (above 51% of your age group)

▶ℹ️ Notes & assumptions (4)

Home equity = market value − mortgage balance. Both sides shown separately for clarity.

Retirement accounts shown at current value. Taxes on future withdrawals are not deducted.

Vehicle value = current market value (e.g., KBB), not purchase price.

Benchmarks from Federal Reserve Survey of Consumer Finances 2022 (released Oct 2023).

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How to Use This Calculator

My Net Worth tab

The default tab. Enter your assets (cash, investments, retirement accounts, real estate) and liabilities (mortgage, student loans, credit cards). The calculator shows your total net worth and compares it to the median for your age group. Expand "More options" to add vehicles, other assets, and enter your age for benchmark comparison.

Net Worth by Age tab

Enter your age and net worth to see where you stand. The calculator shows your percentile rank — what percentage of Americans your age have less net worth than you. See the 25th, 50th, 75th, and 90th percentile breakpoints, plus median vs mean for all age groups.

Growth Projector tab

Project your net worth into the future. Enter your current net worth, monthly savings, and expected return. See when you'll hit milestones ($100K, $500K, $1M) and your projected balance at 5, 10, 20, and 30 years. Expand "More options" to adjust for inflation, salary growth, and your current age.

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The Formula

Net worth is the simplest and most important number in personal finance:

Net Worth = Total Assets − Total Liabilities

Assets = Cash + Investments + Retirement + Real Estate + Vehicles + Other
Liabilities = Mortgage + Auto Loans + Student Loans + Credit Cards + Other Debt

Home Equity = Home Market Value − Mortgage Balance

The key insight: net worth is a snapshot, not income. Someone earning $200K with $300K in debt has a lower net worth than someone earning $50K with a paid-off home. Track net worth monthly or quarterly to see if you're moving in the right direction.

For the growth projector, we use compound growth with monthly contributions:

Future Value = Current × (1 + r/12)^(12×t) + Monthly × [((1 + r/12)^(12×t) − 1) / (r/12)]

Example

Alex & Jordan — Married, both 34, Denver CO

Combined income $140K. Two kids, ages 2 and 5.

My Net Worth tab

Checking$12,000

Savings$25,000

401(k) (his)$78,000

Roth IRA (hers)$34,000

Home (market value)$420,000

Cars$38,000

HSA$8,000

Total Assets$615,000

Mortgage$310,000

Auto loan$18,000

Student loans$42,000

Credit cards$4,000

Total Liabilities$374,000

Net Worth: $241,000. Median for ages 35-44: $135,600. Alex & Jordan are above ~65% of Americans their age.

Growth Projector tab

Monthly savings$2,500

Expected return7%

$500K milestoneAge 39 (5 years)

$1M milestoneAge 47 (13 years)

Net worth at age 54 (20 yrs)$1,850,000

At their current savings rate and a 7% return, Alex & Jordan will be millionaires by age 47 — well ahead of the median for 45-54 ($247,200).

FAQ

What is net worth? ▼

Net worth is everything you own (assets) minus everything you owe (liabilities). It's the single best measure of financial health because it captures the full picture — income alone doesn't tell you if you're building wealth or drowning in debt. Track it regularly to measure progress.

What should my net worth be at my age? ▼

According to the Federal Reserve's 2022 Survey of Consumer Finances, the median net worth by age is: under 35 ($39,000), 35-44 ($135,600), 45-54 ($247,200), 55-64 ($364,500), 65-74 ($409,900), 75+ ($335,600). Use the "Net Worth by Age" tab to see your exact percentile.

Why is mean net worth so much higher than median? ▼

The overall mean net worth is $1,063,700 while the median is just $192,900 — a 5.5× gap. This is because wealth is heavily concentrated at the top. A few billionaires dramatically pull up the average. The median (50th percentile) is a much better benchmark for most people because it represents the typical American family.

Is negative net worth bad? ▼

Negative net worth is common and not always alarming. Recent graduates with student loans, young homeowners with new mortgages, and medical debt holders frequently have negative net worth. What matters is the trajectory — are you reducing debt and building assets over time? The 25th percentile for Americans under 35 is just $88, showing how common it is to start with very little.

How do I increase my net worth? ▼

Three levers: (1) Increase assets — save more, invest consistently, maximize employer 401(k) match. (2) Reduce liabilities — pay down high-interest debt first (credit cards at 20%+ APR), then student loans. (3) Grow investments — compound returns do the heavy lifting over decades. A $500/mo investment growing at 7% becomes $566K in 30 years. Use the Growth Projector tab to model your path.

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