Net Worth Calculator
Add up what you own and owe, see your liquid net worth, and track it over time on your device.
Saved only in this browser. Export a CSV to keep a copy.
What you own
- Checking, current and savings accounts, deposits you can withdraw and cash at hand, at today's balance.
- Shares, funds and bonds outside retirement accounts, at today's market value.
- 401(k), IRA, pension pots: the vested balance only, before any tax due on withdrawal.
- What the home would sell for today, not what you paid. The mortgage goes under liabilities.
- What each vehicle would sell for today, which falls every year. The loan goes under liabilities.
What you owe
- The payoff balance on your lender's latest statement.
- The payoff balance, interest due included.
- The payoff balance your lender quotes, not the payments left.
- Today's balance on every card, paid in full or not.
Track it over time
Clearing the site's data removes the snapshots. Changing the currency relabels every amount without converting it.
US benchmark
Federal Reserve, Survey of Consumer Finances 2025, in 2025 dollars, by the age of the family's reference person. The mean sits far above the median because a few families hold very large fortunes.
Adds up what you own and what you owe to give your net worth, your liquid net worth and how much of what you own is matched by debt. Save a dated snapshot whenever you update the figures, and the page charts your net worth over time. Everything stays in this browser, with no account; export a CSV to keep a copy. In US dollars, it also compares your net worth with US families of your age.
How it works
Net worth is everything you own at what it would fetch today, less everything you owe at what it would take to clear today. Liquid net worth counts only the assets you tick as liquid, the ones you could turn into cash within days without a penalty, against all your debts: it says how far your cash would go if every debt fell due. Debt to assets is total debts divided by total assets.
Income is not an asset: a salary is money still to be earned. Count it once it sits in an account. What you own goes in at its value today: a home at what it would sell for, not its purchase price; a car at its resale value; a retirement account at its vested balance. Debts go in at their payoff balance, not the payments left. Each starter row's tip says how to value it.
Net worth = total assets − total liabilities
Liquid net worth = liquid assets − total liabilities
Debt to assets = total liabilities ÷ total assets
Examples
A renter at 28 with student loans
Assets of cash and savings $ 12,000, retirement accounts $ 22,000, vehicles $ 8,000, the cash and savings ticked liquid; debts of student loans $ 31,000, credit cards $ 1,200. Net worth is $ 9,800, but liquid net worth is $ 20,200 below zero: the cash would not clear the debts. Debt to assets is 76.7%. That is below the $ 33,000 median for families headed by someone under 35.
A homeowner at 45
Assets of cash and savings $ 31,000, investments $ 40,000, retirement accounts $ 210,000, home $ 480,000, vehicles $ 25,000, the first three liquid; debts of mortgage $ 290,000, car loans $ 14,000. Net worth is $ 482,000, of which the home's equity is $ 190,000. Liquid net worth is $ 233,000 below zero, since the mortgage counts against the liquid assets in full. That is above the $ 253,700 median for families headed by someone aged 45–54.
US net worth by age, 2025
| Age | Median | Mean |
|---|---|---|
| Under 35 | $ 33,000 | $ 135,400 |
| 35–44 | $ 155,600 | $ 681,900 |
| 45–54 | $ 253,700 | $ 1,244,500 |
| 55–64 | $ 411,900 | $ 1,878,000 |
| 65–74 | $ 431,300 | $ 1,897,600 |
| 75 or more | $ 504,900 | $ 1,962,200 |
| All families | $ 215,900 | $ 1,241,500 |
Rules and sources
The benchmark is the Federal Reserve's 2025 Survey of Consumer Finances, released on 9 October 2026: median and mean family net worth by the age of the family's reference person, in 2025 dollars. Half of families have less than the median; the mean is pulled up by the wealthiest. The survey runs every three years, so the figures stand until the 2028 survey is published. The comparison shows in US dollars only.
Sources
- Changes in U.S. Family Finances from 2022 to 2025, Table 2 — Board of Governors of the Federal Reserve System
- Survey of Consumer Finances, historic tables in 2025 dollars, Table 4 — Board of Governors of the Federal Reserve System
Reviewed
Frequently asked questions
See also
- FIRE Calculator — for the investments that would let you stop work.
- Debt Payoff Planner — for a plan to clear the liabilities.
- Retirement Calculator — to check your savings last through retirement.