Net Worth Calculator (2026)
Calculate net worth in one view: assets, liabilities, and age-based percentile comparison. Great for tracking financial progress over time.
Example: $540K Assets, $307K Liabilities, Age 35
Net Worth
$232,500
Total Assets
$540,000
Total Liabilities
$307,500
Percentile (35–44)
Top 42%
With $540,000 in assets (home, retirement, investments) and $307,500 in debt (mortgage, loans), net worth is $232,500. For age 35–44, that places you in the top 42% per Federal Reserve SCF benchmarks.
Source: FinCalc server-rendered example using the same formulas as the interactive calculator.
Assets
Liabilities
Net worth summary
Your net worth is $232,500 ($540,000 assets minus $307,500 liabilities). For age 35, this is roughly in the top 42% based on Federal Reserve SCF benchmark bands.
Total assets
$540,000
Total liabilities
$307,500
Net worth
$232,500
Assets breakdown
- Cash & savings4.6%
- Investments11.1%
- Retirement accounts15.7%
- Real estate64.8%
- Vehicle value2.8%
- Other assets0.9%
Liabilities breakdown
- Mortgage balance89.4%
- Student loans5.9%
- Auto loans2.9%
- Credit card debt1.1%
- Other debt0.7%
AI explains your result
FinCalc AI
Net worth benchmark table by age (Fed SCF)
| Age bracket | Median net worth | Average net worth |
|---|---|---|
| 25-34 | $39,000 | $183,000 |
| 35-44 | $135,000 | $549,000 |
| 45-54 | $247,000 | $975,000 |
| 55-64 | $364,000 | $1,566,000 |
| 65-74 | $409,000 | $1,794,000 |
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How this comparison works
Median values represent the midpoint household, while averages are pulled up by high-net-worth households. That is why average net worth is much higher than median in each bracket.
Methodology formulas
- Total assets = sum of all asset categories
- Total liabilities = sum of all debt categories
- Net worth = total assets - total liabilities
- Percentile is estimated from age-band median and average anchor points
Sources
Data and assumptions align with official publications. For verification and current figures:
- Federal Reserve (SCF) — Survey of Consumer Finances, net worth benchmarks
What's Next?
Frequently asked questions
How do I calculate my net worth quickly?
Add all assets like cash, investments, retirement accounts, and home equity, then subtract all liabilities. If you have $420,000 in assets and $260,000 in debt, net worth is $160,000. Tracking this number monthly helps you spot progress trends early.
Does my primary home count in net worth?
Yes, your primary residence counts, but use home equity rather than full property value. For a $500,000 home with a $320,000 mortgage, the net worth contribution is $180,000. You can also track a separate liquid net worth metric that excludes home equity.
What is a good net worth by age 30?
A common rule of thumb is net worth near 1x annual salary by age 30, but outcomes vary by debt and local costs. For someone earning $80,000, that suggests a target around $80,000. Many households are below that level due to student loans and delayed asset accumulation.
Can net worth be negative and still be normal?
Yes, negative net worth is common in early career years when education or housing debt is high. For example, $40,000 in assets and $95,000 in liabilities produces a net worth of -$55,000. The key metric is whether debt is shrinking and assets are growing over time.
What is a good net worth by age 40?
Federal Reserve (2022) median net worth for ages 35–44 is about $136,000; mean is $550,000 (skewed by wealth). A rule of thumb: 3× annual salary by 40. For $80,000 income, that suggests ~$240,000. Median for 45–54 is ~$247,000; 55–64 is ~$365,000.
What is the average net worth in the US?
Median US household net worth (2022) is about $193,000; mean is $1.06M (driven up by very wealthy households). By age: under 35 median ~$39K, 35–44 ~$136K, 45–54 ~$247K, 55–64 ~$365K. Net worth = assets minus liabilities.
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