getmoneycalc.com

Net Worth Tracker

Update your numbers, hit save, and watch the line move. No sign-up, no server — your history lives in 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.

Why tracking beats a one-time calculation

A single net worth calculation is a snapshot — useful, but it can't show you whether you're actually gaining ground. Update your numbers here once a month (or whatever cadence fits) and save each snapshot: the history chart that builds up is the actual signal. A single month's dip from a market pullback looks very different plotted against six months of steady saving than it does in isolation.

What "save" actually does

Every time you click "Save today's numbers," this page writes one entry — timestamp, net worth, and your full asset/liability breakdown — to your browser's local storage. Nothing is sent anywhere; there's no account, no server, and no way for anyone but you (on this device, in this browser) to see it. That also means clearing your browser data erases it, which is exactly why the Export button exists: download a backup file whenever you want a copy you control, and Import it back later — on this device or a new one — to restore your full history in one step.

Projecting years ahead from where you are today

Once your net worth is positive, the calculator's What-If projection lets you see where a given monthly savings rate and growth assumption would take you in 5, 10, or 20 years — the same compounding math used across every growth calculator on this site, not a separate estimate. It's meant as a directional planning tool alongside your tracked history, not a guarantee of any specific outcome; markets don't compound in a straight line even when the long-run average does.

Frequently asked questions

How often should I update my net worth tracker?

Monthly is the common rhythm — frequent enough to see real progress and catch problems early, infrequent enough that day-to-day market noise in your investment accounts doesn't drown out the trend. Checking daily or weekly mostly just adds stress from short-term volatility that has nothing to do with your actual financial trajectory.

Is my net worth tracker data private?

Yes — everything you save is stored in your browser's local storage only. It's never transmitted to a server, we have no way to see it, and it's tied to this browser on this device. Clearing your browser data erases it, so use the Export option to download a backup file you control if you want to keep one or move it to another device.

What happens to my history if I clear my browser data?

It's gone — local storage is tied to your browser, and clearing site data (or using a different browser or device) means your saved history won't be there. Export a backup periodically if you want a copy you control outside the browser; importing that backup file later restores your full history in one step.

Can I track net worth for a household with two people?

The tracker itself doesn't distinguish between individual and household figures — enter combined numbers if that's what you want to track. Just be consistent between updates (always combined, or always individual) so your history line reflects a real trend rather than a mix of the two.