Add up assets and debts to find your net worth, then see how it compares with US households your age using Federal Reserve data.
Optional. Both unlock the comparison with US households; neither changes your net worth.
Today's market value, not the purchase price.
The Survey of Consumer Finances is the Federal Reserve's triennial study of US household balance sheets. In 2022 the median family was worth $192,900.
Survey of Consumer Finances 2022, in 2022 dollars, per family.
| Age of household head | Median | Mean |
|---|---|---|
| Under 35 | $39,000 | $183,500 |
| 35–44 | $135,600 | $549,600 |
| 45–54 | $247,200 | $975,800 |
| 55–64 | $364,500 | $1,566,900 |
| 65–74 | $409,900 | $1,794,600 |
| 75 or older | $335,600 | $1,624,100 |
These are family (household) figures, not individual ones. The survey runs every three years; the next release is due in late 2026.
This calculator is an educational tool, not financial advice. The benchmarks on this page describe US families as a whole; they are a reference point, not a target, and your own circumstances may differ.
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Net worth is what you own minus what you owe, and on its own it is a number with no scale attached. This calculator adds up both sides of your balance sheet and then sets the result beside the Federal Reserve's Survey of Consumer Finances: the median and mean for your age bracket, for families who earn roughly what you earn, and for US families as a whole.
Net worth is the difference between your total assets — cash, retirement and investment accounts, property, vehicles — and your total liabilities, meaning every balance you still owe. A positive net worth means you own more than you owe. It is a snapshot taken on one day, which is why the trend across several readings tells you more than any single figure.
Net worth formula
A recurring reading turns net worth into a trend line instead of a one-off curiosity, and it catches lifestyle creep early.
See how much of your balance sheet a deposit and mortgage would move, and how much would be tied up in a single illiquid asset.
Retirement projections start from a balance sheet. This gives you the opening figure, split between what is investable and what is not.
Lenders ask for assets and liabilities in exactly this form, so working it out first makes the paperwork faster and the answer predictable.
Both start with a complete, itemised list of what is owned and owed. This produces one you can hand over.
Income tells you what came in this month. Net worth tells you what is left once everything you owe is subtracted — the only figure that captures saving, investing and debt at the same time.
The median US family was worth $192,900 in 2022; for a household headed by someone aged 35–44 it was $135,600. Your own total only means something once it sits beside figures like these.
Mean net worth runs four to six times the median at every age, because the top of the distribution is unbounded. A tool that benchmarks you against the average tells almost everybody they are behind.
A mortgaged house inflates both sides of the balance sheet at once. Showing home equity and investable net worth apart from the headline total makes clear how much you could actually reach.
Run it once a quarter and watch the direction of travel. That matters far more than any single reading, particularly early on when the number is still negative.
The Federal Reserve's 2022 Survey of Consumer Finances puts the median US family net worth at $39,000 under age 35, $135,600 at 35–44, $247,200 at 45–54, $364,500 at 55–64, $409,900 at 65–74, and $335,600 at 75 and over. Those are medians for whole households, so treat them as a reference point rather than a target.
Yes. Enter the home's current market value as an asset and the remaining mortgage balance as a liability. The difference — your home equity — is what actually belongs to you, and this calculator shows it separately from the headline total.
This calculator will do either, but the Federal Reserve benchmarks are per family, so a couple comparing a combined balance sheet is reading like for like, while one partner comparing their own is not. If you are single, note that some families in the survey have two earners behind that median.
Because net worth has no upper bound. A small number of very wealthy families pull the mean up hard, which is why the US mean of $1,063,700 sits more than five times above the $192,900 median. The median describes the family in the middle, so it is the fairer comparison.
Count it at what you could sell it for today, and count any loan against it as a liability. Vehicles depreciate, so a car usually shrinks as a share of net worth over time — which is worth seeing rather than hiding.
A 401(k), IRA or any account with a balance you could roll over counts, and belongs under retirement accounts. A traditional defined-benefit pension has no account balance to add, so it sits outside net worth even though it is genuinely valuable — a reason not to read a low figure too harshly if you have one.
Usually student loans, a car loan, or both arriving before savings have had time to build. It is the normal starting position rather than a failure: the Federal Reserve's under-35 bracket has a median of $39,000 precisely because it contains a great many households still climbing out of the negative.
Quarterly is enough for most people. Monthly readings mostly capture market noise, and annual readings are too sparse to catch a problem while it is still small.
No. Income is a flow measured over a period; net worth is a stock measured at an instant. A high earner who spends everything can have a lower net worth than a modest earner who has saved for twenty years, which is exactly why the two are worth tracking separately.
They are in 2022 dollars, from the most recent Survey of Consumer Finances the Federal Reserve has published. We show them as published rather than adjusting them to a figure that appears in no source. The 2025 survey is in the field and its results are due in late 2026.