Net worth calculator
Add up what you own, take away what you owe. What is left is your net worth. Then see how you compare with the median for your age.
AmaltashYour net worth is
What you own
- Cash$10,000
- Investments$55,000
- Home and things$315,000
What you owe
- Home loans$240,000
- Other loans$28,000
- Credit cards$2,000
You are $45,600 below the median for ages 35–44.
For information only. This adds up the numbers you type. It is not advice.
The medians, averages and percentiles are from the Federal Reserve Survey of Consumer Finances, 2025, in 2025 dollars. They count households. Age means the age of the head of the household.
Your numbers stay in this page. We do not save them or put them in the link.
What is my net worth? How to calculate it
- List everything you own and what each would sell for today.
- List everything you owe and what is left to pay on each.
- Add up each list.
- Take what you owe away from what you own. That is your net worth.
In words: Add up what you own. Then take away what you owe.
- everything you own, at what it would sell for today
- everything you owe, at what is left to pay
Here is the example already filled in above the guide:
| Amount | |
|---|---|
| What you own | $380,000 |
| What you owe | $270,000 |
| Net worth | $110,000 |
With the age set to 35–44, that is $45,600 below the median of $155,600. Change any box and the answer updates.
What counts as an asset?
An asset is anything you own that has money value. The calculator has a box for each kind:
- Cash and savings: checking, savings and CDs.
- Investments: stocks, funds and crypto in a regular account.
- Retirement accounts: a 401(k) or an IRA. They count, even if you cannot use the money yet.
- Home: what it would sell for. Your home equity is that price minus the mortgage. In the example, $300,000 minus $240,000 is $60,000.
- Cars: what they would sell for. Cars lose value each year, so check the price again next time.
- Other things: a business you own, or money someone owes you.
Work out the interest on your cash with the high-yield savings calculator →
What counts as a liability?
A liability is money you owe. Count the full amount left on each debt, not the monthly payment. That means your mortgage, car loans, student loans, card balances, personal loans and unpaid medical bills.
Bills you have not been charged yet do not count. Next month's rent, phone bill or groceries are spending, not debt.
Find out what a card balance costs in a year with the APR calculator →
Median net worth by age
These are the medians the calculator compares you with. They come from the Federal Reserve Survey of Consumer Finances, 2025, in 2025 dollars. Age means the age of the head of the household.
| Age | Median net worth |
|---|---|
| under 35 | $33,000 |
| 35–44 | $155,600 |
| 45–54 | $253,700 |
| 55–64 | $411,900 |
| 65–74 | $431,300 |
| 75 and over | $504,900 |
The table is a snapshot of different households in 2025. It does not show how any one household will change as it gets older.
Average net worth by age
The average is much higher than the median in every age group. Here are both, from the Federal Reserve Survey of Consumer Finances, 2025, in 2025 dollars.
| Age | Average net worth | Median net worth |
|---|---|---|
| under 35 | $135,400 | $33,000 |
| 35–44 | $681,900 | $155,600 |
| 45–54 | $1,244,500 | $253,700 |
| 55–64 | $1,878,000 | $411,900 |
| 65–74 | $1,897,600 | $431,300 |
| 75 and over | $1,962,200 | $504,900 |
In each group, the average is about 4 to 5 times the median. So most households have less than the average for their age.
Median vs average net worth
The median is the middle household: half had more, half had less. The average, or mean, adds up every household and divides by how many there are. A few very rich households pull the average far up.
Say five households have $10,000, $20,000, $30,000, $40,000 and $1,000,000. The median is $30,000. The average is $220,000, more than four of the five have. That is why this calculator uses the median.
Net worth percentiles: where do you rank?
A percentile tells you how many households out of 100 had less than you. At the 75th percentile, 75 of every 100 households had less net worth. The other 25 had more.
| Percentile | Net worth | Households with less |
|---|---|---|
| 25th | $27,900 | 25 of every 100 |
| 50th | $215,900 | 50 of every 100 |
| 75th | $812,800 | 75 of every 100 |
| 90th | $2,539,200 | 90 of every 100 |
These cut points are for all US households together, from the Federal Reserve Survey of Consumer Finances, 2025, in 2025 dollars. The 50th percentile is the median.
Age changes your rank a lot. Older households have had more years to save and pay off debt. So compare yourself with your own age group first. The calculator above does that with the median for your age. It does not work out your exact percentile.
Is my net worth good for my age?
There is no pass or fail number. Start by comparing yours with the median for your age. Being below it is common. Half of the households in each age group are.
These four questions tell you more than one number does:
- Is it higher than a year ago? A rising net worth means you are moving the right way.
- Is your high-interest debt going down? Card interest adds up fast when you pay only the minimum.
- Do you have cash set aside for a surprise bill, like a car repair?
- Are you putting money away for later, like in a 401(k) or an IRA?
See how long savings could last with the retirement calculator →
Plan how much to put in each month with the investment calculator →
Net worth vs income
Income is the money you earn in a year. Net worth is what you have at one moment. A big income does not mean a big net worth. If you spend all you earn, your net worth does not grow.
Net worth grows from the part of your income you keep and the debt you pay off.
How to grow your net worth
- Keep part of each paycheck. Put $200 a month into savings and, after a year, you own $2,400 more.
- Pay off high-interest debt first. At 18% a year, a $2,000 card balance costs about $30 a month in interest.
- Borrow less for things that lose value, like cars.
Paying a debt with cash does not change your net worth that day. In the example, paying the $2,000 card from savings leaves $110,000. What changes is that the interest stops, so more of each paycheck stays yours.
See how your interest adds up year by year in the compound interest calculator →
Net worth tracker: check it once a year
Work out your net worth once a year, on about the same date. Use the same boxes each time, so you compare like with like. Write the answer down. The change from last year matters more than any one number.
Here is a made-up example of two check-ins, one year apart:
| Last year | This year | Change | |
|---|---|---|---|
| What you own | $352,000 | $380,000 | +$28,000 |
| What you owe | $279,000 | $270,000 | −$9,000 |
| Net worth | $73,000 | $110,000 | +$37,000 |
Net worth went up by $37,000. Paying down debt gave $9,000 of that. Owning $28,000 more gave the rest.
How this calculator works
The sum. We add up everything you own, then take away everything you owe. A box you leave empty counts as zero.
What to count. Use what each thing would sell for today, and what is left to pay on each loan. Count a retirement account at its full balance, before any tax you would owe to take it out.
The median by age. From the Federal Reserve Survey of Consumer Finances, 2025. Half of households had more than the median, half had less.
Private. Everything happens in your browser. Your numbers are not saved or sent anywhere.
Questions people ask
What is net worth?
It is everything you own minus everything you owe. If you sold it all and paid off every debt, it is what you would have left.
What is a good net worth for my age?
There is no single good number. The Federal Reserve Survey of Consumer Finances found a median of $33,000 for households under 35 and $155,600 for ages 35–44 in 2025. Half of households had more, half had less.
Should I count my home and my car?
Yes. Count what each would sell for today, not what you paid. Then count the loan left on each under what you owe.
Can net worth be negative?
Yes. If you owe more than you own, it is below zero. That is common early on, for example with student loans. Paying down debt raises it.
Should I count furniture and clothes?
Only count things you could sell for real money. Used furniture and clothes sell for little, so most people leave them out.
Should I add my partner's money too?
If you share money, yes. Add up both of you. The survey medians count the whole household, so that is the fair way to compare.
What is the average net worth by age?
In the Federal Reserve Survey of Consumer Finances, 2025, the average was $135,400 for households under 35. The highest was $1,962,200, for ages 75 and over. Averages sit far above medians, because a few very rich households pull them up.
How much net worth puts you in the top 10%?
In 2025, it took $2,539,200 or more, the 90th percentile for all US households. Nine in 10 had less. The top 25% started at $812,800. These cut points mix every age together.
More calculators
Keep your net worth up to date
Connect your accounts and we keep the numbers current for you.
Reviewed by Tavish Sharma, CFA · Last reviewed
Published by Amaltash Advisors LLC, an SEC-registered investment adviser
Sources
- Survey of Consumer Finances, 2025, Federal Reserve Board
- Changes in U.S. Family Finances from 2022 to 2025 (Table 2 by age; Table A.2 percentiles), Federal Reserve Board
- Figure Out Your Finances, Investor.gov, US Securities and Exchange Commission
- Pay Off Credit Cards or Other High Interest Debt, Investor.gov, US Securities and Exchange Commission