Net Worth Calculator
List what you own and what you owe to get your net worth — then see how it stacks up against the median U.S. household your age (Federal Reserve data).
Example: with Cash & savings $15,000 · Investments & retirement $80,000 · Home value $350,000 · Vehicles $25,000 → Net worth: $195,000.
- Total assets$480,000
- Total liabilities$285,000
- Debt-to-asset ratio59%
Computed by the calculator below using its default values. Change any input to see your own numbers.
How you compare to other people
Where you land
How you compare
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Learn moreWhat net worth tells you
Net worth — everything you own minus everything you owe — is the single best snapshot of financial health, better than income alone. Watch the trend: a rising number means assets are outpacing debt. The U.S. median is heavily driven by home equity and retirement accounts.
How it’s calculated & sources
Net worth = total assets (cash, investments, home, vehicles, other) − total liabilities (mortgage, loans, cards, other). Compared to median household net worth by age from the Federal Reserve.
Benchmark: median U.S. household net worth by age, Federal Reserve Survey of Consumer Finances (2022).
Results update as you type and are general estimates, not personalized financial or tax advice. Verify with a professional.
Frequently asked questions
Should I use my home’s market value?
Yes — use current market value for the home and the current payoff balance for the mortgage; the difference is your home equity.
Are retirement accounts included?
Yes — 401(k), IRA and pension balances are assets. They’re a big part of most households’ net worth.
Why is the median so high at older ages?
Decades of paying down mortgages and compounding retirement savings; medians peak around retirement and then draw down.