Net Worth Calculator
Add up your assets, subtract liabilities, and see how you compare to US benchmarks by age.
Net worth
$360.5K
$360,500
Total assets
$680.0K
$680,000
Total liabilities
$319.5K
$319,500
Assets
Liabilities
Asset Allocation
How you compare — US benchmarks (age 35–44)
Source: 2024 US Federal Reserve Survey of Consumer Finances. Comparison shown in USD regardless of selected currency.
About this tool
A net worth tracker with editable categories, an asset allocation pie chart, and benchmark comparison against US Federal Reserve age-based percentiles. Add or remove rows to match your situation, switch currencies, and export the breakdown.
How to use it
Quick steps to get the most out of this utility.
- 1
List your assets
Cash, investments, retirement, home, vehicles. Be honest with valuations (Zillow estimate for home, Kelley Blue Book for cars).
- 2
List your liabilities
Mortgage, auto loans, student loans, credit cards, any other debt.
- 3
See your net worth
The headline number is total assets minus total liabilities.
- 4
Compare to benchmarks
Set your age and see how you stack up against US median and top 10% for your bracket.
Net worth vs income — track the right thing
Income is what you make; net worth is what you keep. Two people earning $150k can have wildly different net worths depending on lifestyle and savings rate. Tracking net worth shifts the focus from earnings (which you partly control) to wealth (which you fully control through saving, investing, and debt management).
The "first $100k" milestone
Charlie Munger famously said the first $100k is the hardest. Once you cross it, compound returns start adding noticeably to your balance year over year. A $100k portfolio earning 8% adds $8k/year — about as much as someone saving $666/month from scratch. After $250k, the gap accelerates dramatically.
Frequently asked questions
What is net worth?+
Net worth is the value of everything you own (assets) minus everything you owe (liabilities). It is the single best snapshot of financial health and the metric you should track over time, regardless of income.
Should I include my home in net worth?+
Yes — your home equity (market value minus mortgage balance) is a real asset. However, many planners track "investable net worth" separately, which excludes your primary residence and personal vehicles. Both numbers tell different stories.
What is a good net worth by age?+
A common benchmark: net worth = (age × pretax income) ÷ 10. So a 35-year-old earning $80k would target $280k. The US median by age (per Federal Reserve SCF): ~$39k for under 35, ~$135k for 35–44, ~$250k for 45–54, ~$365k for 55–64.
How often should I update net worth?+
Monthly is ideal — it takes 5 minutes and creates the data trail to spot trends. Quarterly is the practical minimum. Annual is too infrequent — you miss the feedback loop that makes financial habits stick.
Why is my net worth negative?+
Negative net worth is normal early in life — student loans, mortgages, and car loans frequently exceed initial assets. The trajectory matters more than the snapshot. As long as net worth is trending up year over year, you are on the right path.
Keep exploring
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