Net Worth Calculator
Calculate your net worth by adding up all your assets and subtracting your liabilities. Track your financial progress and compare to others in your age group.
Assets
Liabilities
Average Net Worth by Age (US)
| Age | Median (50th) | 75th Percentile | 90th Percentile |
|---|---|---|---|
| 25 | $10,000 | $40,000 | $100,000 |
| 30 | $30,000 | $100,000 | $250,000 |
| 35 | $60,000 | $175,000 | $400,000 |
| 40 | $100,000 | $300,000 | $650,000 |
| 45 | $150,000 | $400,000 | $900,000 |
| 50 | $200,000 | $500,000 | $1,200,000 |
| 55 | $250,000 | $650,000 | $1,500,000 |
| 60 | $300,000 | $800,000 | $1,800,000 |
| 65 | $280,000 | $750,000 | $1,700,000 |
| 70 | $250,000 | $700,000 | $1,600,000 |
*Data based on Federal Reserve Survey of Consumer Finances 2022, adjusted for inflation. Median represents the typical household.
Understanding Net Worth
The Formula
Your net worth is the single best measure of your financial health. It represents what you own minus what you owe. A positive net worth means you have more assets than debts, while a negative net worth (common for young people with student loans) means you owe more than you own.
Tips to Grow Net Worth
Increase Assets
- • Maximize retirement contributions
- • Build emergency savings
- • Invest consistently
- • Build home equity
Reduce Liabilities
- • Pay off high-interest debt first
- • Avoid new consumer debt
- • Refinance to lower rates
- • Make extra mortgage payments
Disclaimer
This calculator is for informational purposes. Net worth percentile comparisons are approximations based on Federal Reserve data. Your personal financial situation is unique. Consider consulting a financial advisor for personalized advice.