getmoneycalc.com

Net Worth Calculator

Add up what you own and what you owe, see how you compare to your age group, and track your number over time — free, and it never leaves your browser.

Assets

Liabilities

Your net worth

$336,913

At $336,913, you're ahead of the typical 35–44 household — the median there is $135,600.

At $336,913, you're roughly at the 61st percentile of U.S. households by net worth.

Most of your $336,913 net worth is tied up in retirement accounts, home equity, or other illiquid assets — your liquid position (cash and investments, minus all debts) is -$287,637. That's common, not a warning sign; it just means your wealth isn't all cash-in-hand.

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Your history

Model assumptions & disclosures

Your numbers stay on your device. Everything you enter here is saved in your browser's local storage only — it is never sent to a server, never logged, and we have no way to see it. Clearing your browser data erases it. Use the Export option to download a backup file you control. See our privacy policy for details.

Benchmark source: Federal Reserve Bulletin, "Changes in U.S. Family Finances from 2019 to 2022," Vol. 109, No. 5 (October 2023), Table 2. Figures are the 2022 vintage — the Federal Reserve's most recently published Survey of Consumer Finances at the time this calculator was built. The Fed conducts this survey every three years; the next vintage isn't expected until late 2026.

Retirement accounts are shown at face value, before tax. A traditional 401(k) or IRA balance carries a future tax bill that isn't modeled here — withdrawals are typically taxed as ordinary income. Two people with the same account balance but different account types (Roth vs. traditional) don't have exactly the same spendable wealth. This calculator doesn't distinguish between them or estimate that tax liability.

Liquid net worth subtracts ALL liabilities, not just non-mortgage debt. Definitions of "liquid net worth" vary elsewhere online — ours is cash and brokerage holdings, minus every liability you've entered (mortgage included). It's common — and not a warning sign — for this figure to be negative even when your total net worth is comfortably positive; it simply means most of your wealth isn't sitting in cash.

The percentile lookup interpolates between published bands, it isn't a continuous curve the Fed publishes. The Federal Reserve publishes net worth medians for five percentile bands (bottom 25%, 25th–49.9th, 50th–74.9th, 75th–89.9th, top 10%), not a point-by-point curve. We plot each band's own median at the midpoint of that band's percentile range and interpolate between those points — a reasonable estimate, not an official Fed figure. Values far outside the published range are shown as "top 10%" or "bottom quarter" rather than a fabricated precise percentile.

Not financial advice. This calculator provides illustrative estimates based on the inputs you enter and published national benchmarks. It doesn't know your full financial picture. Consult a financial advisor before making decisions based on these figures.

How this net worth calculator works

Enter what you own — cash and savings, brokerage and investment accounts, retirement accounts, your home's market value, vehicles, and any other property — and what you owe: your mortgage balance, auto loans, student loans, credit card balances, and any other debt. The calculator subtracts your total liabilities from your total assets to get your net worth, then compares that number to the median for your age bracket using the Federal Reserve's own published data.

Why your home's market value, not your equity

It's tempting to enter your home equity (market value minus mortgage) as a single asset figure, but that double-counts your mortgage debt if you also list the mortgage as a liability. This calculator asks for your home's full market value as the asset and your mortgage balance as a separate liability — home equity is then calculated and shown to you as its own, derived figure, so nothing gets counted twice.

What the calculator assumes

Benchmarks come from the Federal Reserve's 2022 Survey of Consumer Finances (the most recently published; the next vintage isn't expected until late 2026). Retirement accounts are shown at their gross, pre-tax balance — this calculator doesn't model the future tax bill on traditional 401(k)/IRA withdrawals. This is an estimate to help you understand where you stand, not financial advice.

Frequently asked questions

What is net worth?

Net worth is what you own minus what you owe — total assets (cash, investments, retirement accounts, your home's market value, vehicles, and other property) minus total liabilities (mortgage, auto loans, student loans, credit cards, and other debt). It's a snapshot on one date, not your income.

Should I use my home's market value or my home equity as an asset?

Use your home's market value (what it would sell for) as the asset, and list your mortgage balance separately as a liability. Entering your home equity as the asset while also listing the mortgage double-counts the debt — the calculator's home equity figure is calculated for you as a separate, derived number.

Why is my liquid net worth different from my total net worth?

Total net worth counts everything you own. Liquid net worth counts only cash and brokerage holdings, minus all your liabilities — it excludes retirement accounts, home equity, and vehicles, since you can't easily spend those without cashing out or selling. It's normal for liquid net worth to be negative even when total net worth is solidly positive; it just means most of your wealth isn't sitting in cash.

What is a good net worth for my age?

This calculator compares your number to the median net worth for your age bracket, based on the Federal Reserve's Survey of Consumer Finances. "Ahead," "on track," and "building" are the three outcomes — there's no fourth, lesser grade. If your net worth is negative, that's a starting point, not a verdict; paying down high-interest debt is usually the fastest way to move the number.

Is my data saved anywhere?

Your numbers are saved in your browser's local storage only — never on our servers, and we can't see them. Clearing your browser data will erase your history, so use the Export option to download a backup file if you want to keep one.