Net Worth Calculator
Add up what you own and subtract what you owe to get your net worth. Leave any line blank if it does not apply to you.
Last updated: October 2026
Net Worth
$372,500.00
This calculator gives an estimate for general information only. It is not financial, tax or investment advice. Check the figures with a qualified professional before making decisions, and follow the rules that apply where you live.
Formula below · 1 source (federalreserve.gov) · Updated Oct 2026
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About this calculator
Net worth = total assets − total liabilities.
Assets are what you own: bank balances, investment and retirement accounts at today's value, your home and other property at what they would sell for, vehicles at resale value, and anything else you could sell. Liabilities are what you owe today: the remaining mortgage balance (not the original loan), auto loans, credit card balances, student loans and any other debts.
With the defaults, assets are 25,000 + 185,000 + 480,000 + 35,000 = $725,000 and debts are 340,000 + 8,000 + 4,500 = $352,500, so net worth is $372,500.
A few tips make the number more useful. Use realistic values: a car is worth its resale price, not what you paid, and a home is worth what it would sell for after selling costs. Money in a traditional 401(k) or IRA will be taxed when you withdraw it, so its after-tax value is lower than the balance. Include every debt, even small ones.
Net worth is a snapshot. The trend matters more than any single figure, so recalculate once or twice a year with the same method. A negative number is common early in a career, especially with student loans, and is not a verdict on your finances.
| Age | Median net worth |
|---|---|
| Under 35 | $39,000 |
| 35–44 | $135,600 |
| 45–54 | $247,200 |
| 55–64 | $364,500 |
| 65–74 | $409,900 |
| 75 and over | $335,600 |
How to use
Enter the current value of each asset and the current balance of each debt. Blank fields count as zero. Example 1: a household with $25,000 in savings, $185,000 in retirement accounts, a $480,000 home with a $340,000 mortgage, cars worth $35,000 with $8,000 still owed, and $4,500 on credit cards. Net worth: $372,500. Example 2: a 28-year-old with $9,000 in savings, $42,000 in a Roth IRA and brokerage account, a $14,000 car with no loan, $1,200 on a credit card and $58,000 in student loans. Assets: $65,000. Debts: $59,200. Net worth: $5,800.
Frequently asked questions
What is a typical net worth by age?
In the Federal Reserve's 2022 Survey of Consumer Finances, median family net worth was $39,000 when the head of the family was under 35, $135,600 at 35 to 44, $247,200 at 45 to 54, $364,500 at 55 to 64, $409,900 at 65 to 74 and $335,600 at 75 and over (2022 dollars). Averages are much higher because a small number of very wealthy households pull them up, so the median is the better comparison.
Should I include my home?
Yes. Standard net worth counts the home's market value as an asset and the mortgage as a debt, so the difference is your home equity. Many people also track a second figure without the home, because you cannot spend that equity without selling or borrowing against it.
Should I count retirement accounts before or after tax?
The usual convention is the account balance. Keep in mind that withdrawals from a traditional 401(k) or IRA are taxed as income, so the money you can actually spend is lower. Roth balances can come out tax-free if the rules are met.
How often should I calculate it?
Once or twice a year is enough for most people. Stock prices move daily, so monthly figures are mostly noise. Use the same valuation method each time so the trend is real.
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