Net Worth Calculator

Last updated July 2, 2026

Net worth is the most comprehensive single-number summary of financial health: total assets minus total liabilities. It captures what you own, what you owe, and the difference — the wealth that would remain if everything were liquidated. A positive and growing net worth is the financial equivalent of moving in the right direction. A negative net worth — more debt than assets — is common in early adulthood but becomes a signal for structural change if it persists through the mid-30s. The Federal Reserve's 2022 Survey of Consumer Finances, the most recent comprehensive data, found the median net worth for Americans under 35 was approximately $39,000, rising to $135,000 for the 35 to 44 age group and $247,000 for the 45 to 54 group.

The net worth calculation is more useful as a trend over time than as a snapshot. Calculating it annually — same methodology, same date — reveals whether the trajectory is improving, stagnant, or declining, and which categories of assets or liabilities are driving the change. A household whose net worth is rising primarily because home equity is appreciating while liquid savings are stagnant has a different problem than one whose net worth is rising because retirement accounts are growing steadily. The composition of net worth matters for financial resilience: illiquid net worth in home equity doesn't pay for a job loss or medical emergency without costly liquidation, while liquid net worth does.

The calculation shows your net worth annually using every asset at current market value and every liability at current payoff balance. Track the trend year over year and note which components are growing and which are shrinking. A growing net worth fueled by retirement account contributions and debt paydown is the most reliable indicator of long-term financial health.