This net worth calculator adds up what you own and what you owe to find your net worth, your debt-to-asset ratio and, for US users, how you compare with the median for your age group from the Federal Reserve.
| Asset | Value |
|---|---|
| Debt | Amount owed |
|---|---|
Net worth formula
Net worth = total assets − total debts
Assets include cash, savings, investments, retirement accounts, your home and vehicles at current market value. Debts include your mortgage, car loans, student loans, credit cards and any other money you owe.
Median net worth by age (US)
| Age of head of family | Median net worth |
|---|---|
| Under 35 | $39,040 |
| 35–44 | $135,300 |
| 45–54 | $246,700 |
| 55–64 | $364,270 |
| 65–74 | $410,000 |
| 75 and over | $334,700 |
| All families | $192,700 |
From the Federal Reserve’s 2022 Survey of Consumer Finances, the latest available; results from the 2025 survey are expected in late 2026. Median means half of families have more and half have less.
Worked example
With $455,000 in assets (including a $350,000 home) and $283,000 in debts (including a $250,000 mortgage), net worth is $172,000, above the $135,300 median for ages 35–44.
Growing your net worth
- Pay down high-interest debt first.
- Save and invest a set share of every paycheck.
- Track net worth every few months; the trend matters more than any single number.
Frequently asked questions
Should I include my home in my net worth?
Yes, at what it would sell for today, and include the mortgage as a debt. Some people also track net worth without their home, because it is hard to spend.
Is a negative net worth bad?
It is common for young adults with student loans or a new mortgage. What matters is that it rises over time.
What is a good net worth at my age?
A rough rule is to aim to have saved about your annual salary by 30, three times by 40 and six times by 50, but circumstances vary.
Should I include my car?
Yes, at its current resale value, with any car loan listed as a debt. Remember cars lose value every year.
Related calculators
Sources
- Federal Reserve: Survey of Consumer Finances
- NerdWallet: Average and median net worth by age (Fed data)
Last reviewed: October 2026. For information only; not financial, tax or legal advice.