Net Worth Calculator
What this net worth calculator does: you list what you own and what you owe, and it subtracts one from the other. It shows:
1. Your net worth, total assets, total debts, and your debt-to-asset ratio
2. How you compare with the median US family, overall and for your age group, using the Federal Reserve’s 2025 Survey of Consumer Finances, released October 2026
3. Liquid assets: how much is in cash and investments you could sell quickly
4. Snapshots over time: save today’s figure and watch the trend on this device
Free, no sign-up. Your numbers stay in your browser; saved snapshots are kept only on this device. Results are educational, not financial advice.
Total your assets and debts, compare with the US median for your age, and track it over time
Source: Federal Reserve — Survey of Consumer Finances 2025 (released October 2026), median family net worth in 2025 dollars, overall and by age of the family head.
How to use the net worth calculator
1. Pick your currency and enter your Age in the top bar (needed for the age comparison).
2. Under Assets — What You Own, enter current values for Cash & Savings, Investments / Brokerage, Retirement (401k / IRA), Real Estate / Home, Vehicles, and Business Equity. Use + Add Custom Asset for anything else.
3. Under Liabilities — What You Owe, enter balances for Mortgage / Home Loan, Auto Loans, Student Loans, Credit Card Debt, and Personal / Other Loans, plus any + Add Custom Liability.
4. Results update as you type. Click Save Today’s Snapshot to add today’s figure to the chart. Save or share with Copy Summary, Export CSV, Export PDF, or Copy Shareable Link.
How to read your results
| Result | What it means |
|---|---|
| Your Net Worth | Total assets minus total debts. It can be negative. |
| Debt-to-Asset | Total debts ÷ total assets. The calculator colors it green under 30% and red over 50%; those bands are rules of thumb, not official standards. |
| Liquid Assets | Cash plus investments, and their share of all assets. |
| How You Compare | Your net worth next to the 2025 US median family net worth, and the median for families whose head is in your age group. |
| Track Over Time | A chart of the snapshots you’ve saved on this device. |
Worked example: age 38, homeowner
Here’s one example run through the calculator. Assets: $12,000 cash, $18,000 investments, $65,000 retirement, $340,000 home, $22,000 car. Debts: $265,000 mortgage, $14,000 auto loan, $21,000 student loans, $3,500 credit cards. Age 38.
| Result | Figure |
|---|---|
| Total assets / total debts | $457,000 / $303,500 |
| Net worth | $153,500 |
| Debt-to-asset ratio | 66% |
| Liquid assets | $30,000 (7% of assets) |
| vs US median family ($215,900) | $62,400 below |
| vs median for ages 35–44 ($155,600) | $2,100 below (99% of the median) |
🧮 How this was calculated
- Assets: $12,000 + $18,000 + $65,000 + $340,000 + $22,000 = $457,000
- Debts: $265,000 + $14,000 + $21,000 + $3,500 = $303,500
- Net worth: $457,000 − $303,500 = $153,500
- Debt-to-asset: $303,500 ÷ $457,000 = 66.4%. Liquid: ($12,000 + $18,000) ÷ $457,000 = 6.6%
- Age comparison: $153,500 ÷ $155,600 = 98.7%, shown as 99%; $155,600 − $153,500 = $2,100 below
Assumptions: assets at current market value · debts at current balances · Federal Reserve medians are for families, in 2025 dollars.
Most of this person’s wealth is home equity: $340,000 − $265,000 = $75,000, about half of the net worth. That’s why the debt-to-asset ratio is high (66%) even though net worth is close to the median for the age group.
Example figures are illustrative, not averages or statistics.
Methodology and sources
1. Net worth = total assets − total debts. No discounting, taxes, or selling costs are applied.
2. US benchmarks: median family net worth from Table 2 of the Federal Reserve’s Changes in U.S. Family Finances from 2022 to 2025, in 2025 dollars: all families $215,900; under 35 $33,000; 35–44 $155,600; 45–54 $253,700; 55–64 $411,900; 65–74 $431,300; 75 or older $504,900.
3. Families vs. individuals: the survey measures families (often couples), grouped by the age of the family head. A single person’s figure isn’t directly comparable to a couple’s.
4. Medians, not averages: the median is the middle family. The mean was $1.24 million in 2025, pulled up by the wealthiest families, so medians describe a typical family better.
5. Snapshots are stored in your browser’s local storage on this device only. Clearing site data removes them.
Frequently Asked Questions
1. What is a good net worth for my age?
Ans: A common formula used by advisors is: (Your Age x Your Pre-Tax Annual Income) / 10. If your net worth is higher than that number, you are generally in a strong position.
2. What is the median net worth by age in the US?
Ans: In the Federal Reserve’s 2025 Survey of Consumer Finances, median family net worth was $33,000 for families headed by someone under 35, $155,600 for ages 35–44, $253,700 for 45–54, $411,900 for 55–64, $431,300 for 65–74, and $504,900 for 75 or older. The median for all families was $215,900.
3. Should I include my car and home?
Ans: Yes, at what they’d sell for today, with their loans listed as debts. Cars usually lose value each year, so a realistic resale value matters. Household items such as furniture are usually left out because they’re hard to value.
4. Why is my net worth negative?
Ans: Your debts are larger than your assets. That’s common early in a career, especially with student loans, which add debt without a matching asset on this list. It describes a starting point, not a final result.
5. Does paying off debt increase net worth?
Ans: Paying a debt with money you already have lowers assets and debts by the same amount, so net worth stays the same. Net worth rises when you pay debt from new income, save, or when assets grow in value. Lower interest costs can help it grow faster over time.
6. How often should net worth be tracked?
Ans: There’s no official schedule. Many people check monthly or quarterly. Market swings can move the figure a lot in the short term, so the trend over a year or more tends to say more than any single snapshot.
7. Is my data saved?
Ans: Nothing is sent to our servers. Snapshots you save stay in your browser on this device. The shareable link stores your inputs in the link itself.
Kevin Brown researches personal finance topics using official sources; he is not a licensed financial advisor or mortgage lender. Last reviewed: October 2026.
