Net Worth Calculator
Add what you own and what you owe to see your net worth instantly, then see how it compares to median U.S. households your age.
Assets
Liabilities
How you compare — median net worth by age
| Age bracket | Median net worth |
|---|
Source: Federal Reserve Survey of Consumer Finances, 2022 (most recent complete dataset available; the 2025 survey is underway with results expected in late 2026). The U.S. median across all ages is roughly $193,000 — the average is about $1.06 million, pulled far higher by the wealthiest households, which is why median is the more useful comparison.
Also try
Frequently asked questions
What counts as an asset for net worth?
Anything of value you own: cash and savings, investment and retirement accounts, real estate equity, vehicles, business ownership stakes, and other property. Use current market value, not what you originally paid.
What counts as a liability?
Any debt you owe: mortgage balance, auto loans, student loans, credit card balances, and other personal or business debt. Use the current outstanding balance, not the original loan amount.
What is a good net worth for my age?
According to the Federal Reserve's Survey of Consumer Finances (2022, the most recent available), median U.S. household net worth runs from roughly $39,000 under age 35 up to around $410,000 at ages 65-74, before declining somewhat in later retirement. These are broad national medians, not targets — a reasonable net worth depends heavily on your income, location, and cost of living.
Should I include my home in my net worth?
Yes, most standard net worth calculations include home equity (current market value minus remaining mortgage) as an asset. Some people track investable net worth separately, excluding primary residence, since a home doesn't generate spendable income the way investments do.
Why is average net worth so much higher than median net worth?
Average (mean) net worth is pulled sharply upward by a small number of very wealthy households, while median reflects the household exactly in the middle. For the U.S. overall, 2022 Federal Reserve data put mean net worth at roughly $1.06 million versus a median of about $193,000 — median is generally the more useful benchmark.