Calculate Your Net Worth

Track your financial health by adding up all your assets and subtracting your liabilities

Assets $0

Real Estate $0
Current market value of your home and any other real estate you own.
$
Include primary residence, vacation homes, investment properties, and land.
Cash & Bank Accounts $0
Total in your checking and savings accounts, CDs, and cash on hand.
$
Include checking, savings, money market accounts, CDs, and physical cash.
Retirement Accounts $0
Value of your 401(k), IRA, 403(b), and other retirement accounts.
$
Include 401(k), Traditional IRA, Roth IRA, 403(b), SEP IRA, SIMPLE IRA, etc.
Investments $0
Stocks, bonds, mutual funds, ETFs and other non-retirement investments.
$
Include brokerage accounts, individual stocks, bonds, ETFs, mutual funds, REITs, etc.
Vehicles $0
Current market value of cars, boats, motorcycles, and other vehicles.
$
Check Kelley Blue Book or NADA for accurate market values of your vehicles.
Personal Property $0
Value of furniture, jewelry, collectibles, electronics, and other belongings.
$
Be conservative with estimates - use resale value, not replacement cost.
Other Assets $0
Business ownership, cash value of life insurance, HSAs, etc.
$
Include business equity, HSA balances, cash value of life insurance, crypto, etc.

Liabilities $0

Mortgage $0
Remaining balance on your home loan(s) and any HELOCs.
$
Include primary mortgage, second mortgage, home equity loans, and HELOCs.
Credit Card Debt $0
Total balances owed on all your credit cards.
$
Include all credit card balances, even if you plan to pay them off this month.
Student Loans $0
Remaining balance on all student loans.
$
Include federal and private student loans, both yours and any you've cosigned.
Auto Loans $0
Remaining balance on vehicle loans or leases.
$
Include car loans, lease payoff amounts, and motorcycle/boat loans.
Personal Loans $0
Balance on personal loans from banks, credit unions, or individuals.
$
Include bank loans, credit union loans, P2P loans, and money from family/friends.
Medical Debt $0
Outstanding medical bills or healthcare-related debt.
$
Include hospital bills, payment plans, and other healthcare-related debt.
Other Debt $0
Business loans, tax debt, other outstanding liabilities.
$
Include business loans, tax debt, payday loans, and any other debts.
Your Net Worth
$0
Enter your assets and liabilities above to calculate your net worth.

Average Net Worth by Age in the United States

Net worth benchmarks by age group in the US
Age Group Median Net Worth Average Net Worth
Under 35 $13,900 $76,300
35-44 $91,300 $436,200
45-54 $168,600 $833,200
55-64 $212,500 $1,175,900
65-74 $266,400 $1,217,700
75+ $254,800 $977,600

Source: Federal Reserve Survey of Consumer Finances (most recent data)

Tips to Improve Your Net Worth
  • Pay off high-interest debt first - Focus on credit cards and personal loans.
  • Build an emergency fund - Aim for 3-6 months of expenses.
  • Maximize retirement contributions - Take advantage of employer matching.
  • Invest regularly - Use tax-advantaged accounts and consistent contributions.
  • Increase your income - Develop skills for career advancement or start a side hustle.
  • Create a budget - Track spending and find areas to save more money.

Understanding Your Net Worth

What Is Net Worth?

Net worth is the difference between what you own (assets) and what you owe (liabilities). It's a snapshot of your financial position at a specific point in time.

About Assets

Assets are things you own that have monetary value. They include cash, investments, property, and personal possessions that could be sold for cash.

About Liabilities

Liabilities are debts or obligations you owe to others. These include mortgages, loans, credit card balances, and any other forms of debt.

Why Track Net Worth?

Tracking your net worth over time helps you measure financial progress, identify areas for improvement, and make better decisions about saving, spending, and investing.