Net Worth Calculator
Calculate your net worth by subtracting your total liabilities from your total assets.
Assets
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Liabilities
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Your Net Worth
$177,000
Assets $205K − Liabilities $28K
Net Worth Benchmarks by Age
| Age | Median Net Worth (US) | Average Net Worth |
|---|---|---|
| 18–24 | $8,216 | $28,707 |
| 25–29 | $7,510 | $49,388 |
| 30–34 | $35,112 | $122,700 |
| 35–39 | $55,519 | $274,112 |
| 40–44 | $127,345 | $623,694 |
| 45–49 | $164,197 | $761,540 |
| 50–54 | $171,360 | $897,663 |
| 55–59 | $193,549 | $1,165,477 |
| 60–64 | $228,833 | $1,675,214 |
| 65–69 | $271,805 | $1,862,738 |
Source: Federal Reserve Survey of Consumer Finances. Averages are skewed higher by wealthy households; medians are more representative.
Disclaimer: For informational purposes only. Not financial advice.
Frequently Asked Questions
What is net worth?
Net worth is your total assets minus your total liabilities. It's the most accurate measure of your overall financial health — what you'd have left if you sold everything and paid off all debts.
What should my net worth be?
A common rule: target net worth = Age × Annual Income ÷ 10. At age 30 earning $60k, aim for $180k. At 40, $240k. This is a rough guide; individual circumstances vary widely.
What counts as an asset?
Assets include cash, savings, investments (stocks, bonds, retirement accounts), real estate equity (home value minus mortgage), vehicles, and valuable possessions. Anything you could sell for money.
What counts as a liability?
Liabilities include mortgages, car loans, student loans, credit card balances, personal loans, and any other debt you owe.
Is a negative net worth bad?
It's common for young people with student loans to have negative net worth. The goal is steady improvement: increase assets (save and invest) while decreasing liabilities (pay down debt).