Net Worth Calculator
- Net worth is everything you own minus everything you owe, the same definition the Federal Reserve uses.
- Medians are for all US families whose head of household is that age, from the Federal Reserve's 2025 Survey of Consumer Finances (public data, 2025 dollars).
- Use today's market values. Vehicles and possessions are usually worth less than you paid.
- Half the families of your age have more than the median and half have less. It is a reference point, not a target.
Add up what you own and what you owe to find your net worth, then see how it compares with other US households your age. Replace the example figures with your own; the result updates as you type.
How to use the calculator
- What you own: cash and savings, retirement accounts, other investments, your home and any other property at today’s value, vehicles, and business or other valuable assets.
- What you owe: the balances still owed on your mortgage, car loans, student loans, credit cards and anything else.
- Age: the age of the head of your household, used for the comparison.
For example, a household with $500,000 of assets (mostly a $350,000 home and $85,000 in retirement accounts) and $280,000 of debts has a net worth of $220,000. For a head of household aged 35 to 44, that is $64,000 above the median, or 141% of it.
Median net worth by age
The comparison uses the Federal Reserve’s 2025 Survey of Consumer Finances, the most detailed survey of US household wealth. It was published in October 2026. The median for all families is $216,100.
| Age of head of household | Median net worth (2025) |
|---|---|
| Under 35 | $32,820 |
| 35 to 44 | $156,000 |
| 45 to 54 | $254,670 |
| 55 to 64 | $411,340 |
| 65 to 74 | $431,900 |
| 75 or older | $504,600 |
The median is the middle household: half have more and half have less. The Fed’s summary report uses the full internal data, so its figures can differ slightly from these public-data numbers.
What the results mean
- Your net worth: what you own minus what you owe. It can be negative, which is common early in a career with student loans.
- Compared with the median: how far above or below the middle household of your age you are, in dollars and as a share.
- Debts as a share of assets: how much of what you own is matched by what you owe. A falling figure over time means you are building equity.
How to grow your net worth
- Track it regularly: once or twice a year is enough. The trend matters more than any single number.
- Pay down high-interest debt first: every dollar off a credit card balance raises your net worth by a dollar.
- Save automatically: regular contributions to retirement and savings accounts add up over time.
- Be realistic about values: cars and possessions lose value, so count them at what they would sell for.
Frequently asked questions
Yes. Count your home at what it would sell for today, and count the mortgage as a debt. Only the difference, your equity, adds to your net worth.
Yes, the Federal Reserve includes them. Remember that money in a traditional 401(k) or IRA will be taxed when you take it out.
Not necessarily. Many people under 35 owe more than they own because of student loans. What matters is that it rises over time.
No. The calculation runs in your browser. Nothing you type is stored or sent to us or anyone else.
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Reviewed by Maxwell. Last reviewed October 23, 2026. Methodology: assets minus debts, compared with median net worth by age of head of household from the Federal Reserve’s 2025 Survey of Consumer Finances (public data, 2025 dollars).