Free Tool
Net Worth Calculator
In this example, $468,000 in assets minus $301,500 in liabilities comes out to a net worth of $166,500 — +$30,900 against the median for the 35–44 age band.
Used only to pick your benchmark age band.
Assets
Liabilities
Your net worth
$468,000 in assets − $301,500 in liabilities
Compared to the 35–44 age band
You are +$30,900 vs. the median and -$383,100 vs. the mean for the 35–44 band.
This calculator provides an estimate from the figures you enter. It does not access your accounts. Nothing you enter is saved to an account. Anonymous usage analytics never include your figures.
Age-band benchmarks are household median and mean net worth from the Federal Reserve, 2022 Survey of Consumer Finances (2022). Reviewed by Junead Khan. Last updated .
The worked example
A household's assets and liabilities, added up and subtracted.
Assets
Liabilities
Net worth = $468,000 − $301,500 = $166,500.
Net worth by age
Household figures from the Federal Reserve, 2022 Survey of Consumer Finances.
| Age band | Median | Mean (average) |
|---|---|---|
| Under 35 | $39,000 | $183,500 |
| 35–44 | $135,600 | $549,600 |
| 45–54 | $247,200 | $975,800 |
| 55–64 | $364,500 | $1,566,900 |
| 65–74 | $409,900 | $1,794,600 |
| 75+ | $335,600 | $1,624,100 |
Use the median, not the mean, as your benchmark. A small number of very wealthy households pull the mean far above what a typical household holds — for the 55–64 band, that's a $1,566,900 mean against a $364,500 median. Figures are for households, not individuals — a single person compares against household data.
What moves your net worth
Two ways to move the same number, on the worked example above.
Pay down debt
Putting $9,000 of this month's income toward the auto loan — instead of saving it — lowers liabilities from $301,500 to $292,500. Net worth rises by the same $9,000, from $166,500 to $175,500, because that income wasn't already counted as an asset. (Paying from cash already on the balance sheet wouldn't move net worth — you'd just swap one asset for a smaller liability.)
Grow assets
If retirement accounts grew by $10,000, from $96,000 to $106,000, assets would rise to $478,000 and net worth would rise by the same $10,000, to $176,500.
Either move adds to net worth at the same rate: one dollar of debt paid off and one dollar of assets gained both raise net worth by exactly one dollar.
Net worth questions.
There is no pass/fail line, but the Federal Reserve's 2022 Survey of Consumer Finances puts median household net worth at <strong>$39,000</strong> for households under 35 and <strong>$135,600</strong> for ages 35–44. A negative net worth at 35 is common with student loans or a new mortgage — the trend over time matters more than where you sit at one age.
Yes. Include your home at its current market value as an asset, and the remaining mortgage balance as a liability. The difference — your <strong>home equity</strong> — is the part that actually adds to net worth, not the full home value. In the worked example above, a $340,000 home with a $268,000 mortgage contributes $72,000 in home equity.
No. Savings (cash and checking) is one asset on the list. Net worth is every asset — cash, investments, retirement accounts, home value, vehicles — minus every liability, such as a mortgage, student loans, and credit-card debt. The worked example above has only $18,000 in savings but a $166,500 net worth once retirement accounts and home equity are added in and debts are subtracted.
Liquid net worth is cash and taxable investments minus credit-card debt — the part of your net worth you could access quickly without selling a home or taking a retirement-account penalty. For the worked example, that's $18,000 in cash plus $0 in taxable investments minus $3,500 in credit-card debt, or <strong>$14,500</strong>, well below the $166,500 total net worth.
Yes, and it is common early on. New graduates with student loans or recent buyers with a fresh mortgage often start negative. A negative net worth is not a failure; what matters is whether assets are growing and liabilities are shrinking over time.
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