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Net worth calculator · Free · No signup · Nothing leaves your browser
Net Worth Calculator: What is my net worth?
Your net worth is everything you own minus everything you owe. Fill in the numbers below — your total updates instantly as you type.
How you compare
See where your net worth sits next to typical US households, based on Federal Reserve data.
Your age
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Typical net worth for your age
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Typical US household (all ages)
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Enter your age above to see an age-based comparison.
Projected 10-year net worth
Assets grow and debts shrink at the rates you set — a simple look at your future.
Simple annual compounding. Estimates only — not financial advice.
Recommended next steps
Build a 3–6 month emergency fund
A cash cushion means unexpected bills don't turn into new debt.
Automate investing
Even a small amount each month compounds. Set it up once and let time do the work.
Learn the basics
What is net worth?
Net worth is a snapshot of your financial position: the current value of everything you own, minus everything you owe. It can be positive, zero, or negative — and it tends to change over a lifetime as you earn, save, and pay down debt.
Net worth = Assets − Liabilities
How to use this calculator
- Enter the realistic current value of each asset — sale value, not what you paid.
- Enter the outstanding balance of each debt.
- Optional: add your age and expected growth rates for a sharper picture.
- Watch your net worth update live, then open your full report.
Which assets to include
Include anything you could convert to cash: your home's market value, bank and investment accounts, retirement balances, vehicles, and valuables worth keeping track of. Use realistic current values, not purchase prices.
Which debts to include
Include every outstanding balance: mortgages, credit cards, student, auto, and personal loans, plus taxes or medical bills you owe. Skip small monthly bills that are already paid.
What a good net worth looks like for your age
Median US net worth by age group (Federal Reserve SCF 2022, approximate):
"Good" depends on your goals. Comparing with medians shows direction, not a finish line.
What this calculator assumes
- Values are in US dollars and exclude inflation.
- The projection compounds assets once per year and pays debts down at a steady rate.
- Comparison figures are approximate public Federal Reserve statistics, not personalized.
Net worth questions people ask
Is a net worth calculator free?
Yes. It runs entirely in your browser and nothing is sent to a server, so there is no signup and nothing to pay for.
Does my home count toward net worth?
Yes — your home is an asset, but your mortgage is a liability. What matters is the equity: market value minus what you still owe.
What is the average net worth by age?
Medians in the US roughly triple between your 30s and 60s. Averages are much higher because a small group of very wealthy households pulls them up — medians are the more honest comparison.
Can net worth be negative?
Yes. When your debts exceed your assets your net worth is negative. Many people start there — especially after student loans or a first mortgage — and climb out over time.
How often should I check my net worth?
Quarterly is plenty for most people. Too often and short-term market swings feel like real change; too rarely and you miss the signal that something needs attention.