Net Worth Calculator
Your net worth is everything you own minus everything you owe, the clearest single snapshot of your financial health. Itemize your assets and liabilities for an honest figure, compare it to the median for your age, see how much is liquid, and project where it could be in ten years.
Formula
Worked example
Assets of $460,000 (cash, investments, retirement, a $320,000 home, vehicles and valuables) minus liabilities of $270,500 (mortgage, auto, student, cards and other) gives a net worth of $189,500, with a 59% debt-to-asset ratio and about 12% held in liquid form.
How net worth is calculated
Net worth is the value of everything you own (your assets) minus everything you owe (your liabilities). This calculator itemizes both sides so the figure is honest rather than a rough guess. Assets are grouped into cash and bank accounts, taxable investments, retirement accounts, home and real estate, vehicles, and other valuables. Liabilities are grouped into your mortgage, auto loans, student loans, credit card balances, and any other debts such as personal loans or medical debt. The calculator adds up each side and subtracts the total you owe from the total you own.
Liquidity: how much you can actually reach
Two people with the same net worth can be in very different positions. Someone whose wealth is mostly home equity cannot spend it without selling or borrowing against the house, while someone holding cash and brokerage investments can reach their money quickly. The calculator reports your liquid assets (cash plus taxable investments) and a liquidity ratio, the share of total assets you could convert to cash without selling property or paying early-withdrawal penalties. A low liquidity ratio is normal for homeowners, but it is a useful reminder to keep an emergency fund.
Comparing to the median for your age
A single net-worth figure means more in context. Enter your age and the calculator compares your number to the U.S. median net worth for your age group, drawn from the Federal Reserve Survey of Consumer Finances. Net worth normally starts low or negative in your twenties and thirties, with student debt and a fresh mortgage, then climbs as loans shrink and savings and home values grow. Being below the median earlier in a career is common; the comparison is a benchmark, not a verdict.
Projecting your net worth forward
Turn on the projection to estimate where your net worth could be in the years ahead. Enter how much you expect to add each year (from saving and paying down debt) and an assumed annual growth rate on your invested assets. The calculator compounds your current net worth at that rate and adds each year of saving on top, then charts the path year by year. Five percent is a common planning figure for long-run real returns, but markets vary, so treat the projection as a direction of travel rather than a promise. The debt-to-asset ratio shows what share of your assets is financed by debt; it naturally starts high and falls over time as loans are repaid.
Median net worth by age in the U.S.
| Age group | Median net worth | Average (mean) net worth |
|---|---|---|
| Under 35 | $39,040 | $183,380 |
| 35 to 44 | $135,300 | $548,070 |
| 45 to 54 | $246,700 | $971,270 |
| 55 to 64 | $364,270 | $1,564,070 |
| 65 to 74 | $410,000 | $1,780,720 |
| 75 and over | $334,700 | $1,620,100 |
Median household net worth, 2022 Federal Reserve Survey of Consumer Finances. Median means the middle household, so half are above and half below.
Frequently asked questions
What should I include as assets?
Use current market values: cash and savings, taxable investments, retirement accounts, your home and any other real estate, vehicles at resale value, and valuables such as business equity or collectibles. Avoid sentimental over-valuation, estimate what you could realistically sell each item for.
What counts as a liability?
Every debt you owe: your mortgage, auto loans, student loans, credit card balances, plus personal loans, medical debt and any payday or title loans. Use the outstanding balance, not the original loan amount, which you can find on your latest statements.
Why does liquidity matter if my net worth is high?
Net worth tied up in a home or retirement account cannot be spent quickly. The liquidity ratio shows the share of assets you could turn into cash without selling property or paying penalties, which is what an emergency fund draws on. A high net worth with very low liquidity can still leave you short in a cash crunch.
How does the age comparison work?
It compares your net worth to the median for your age group from the 2022 Federal Reserve Survey of Consumer Finances. Median means the middle household, so half of households your age are above it and half below. Being under the median early in a career, with student loans or a new mortgage, is normal and usually improves with time.
How often should I calculate it?
Once or twice a year is plenty for most people. Calculating it too often can be noisy because asset values fluctuate; an annual or semi-annual check shows the real trend, which matters more than any single reading.