Net Worth Calculator

Free net worth calculator to track your financial health. Add all your assets (savings, investments, real estate, retirement accounts) and liabilities (mortgage, loans, credit card debt). See your total net worth and how it compares to averages by age group.

Assets (What You Own)

e.g. Checking account, savings account, emergency fund

e.g. Stocks, bonds, mutual funds, crypto, ETFs

e.g. Primary home, rental property, land

e.g. Car, truck, motorcycle, boat

e.g. 401(k), IRA, Roth IRA, pension

e.g. Jewelry, collectibles, business equity

Liabilities (What You Owe)

e.g. Primary mortgage, HELOC

e.g. Car loan, auto lease balance

e.g. Federal loans, private loans

e.g. Visa, Mastercard, store cards

e.g. Personal loan, medical debt

e.g. Tax debt, family loans, legal judgments

Net Worth by Age (U.S. Benchmarks)

Based on Federal Reserve Survey of Consumer Finances data. See how your net worth compares.

Age Range	Median Net Worth	Top 25%
Under 25	$9,000	$46,000
25-29	$30,000	$115,000
30-34	$70,000	$230,000
35-39	$120,000	$430,000
40-44	$160,000	$600,000
45-49	$210,000	$800,000
50-54	$270,000	$1,000,000
55-59	$360,000	$1,300,000
60-64	$410,000	$1,600,000
65-69	$390,000	$1,700,000
70+	$335,000	$1,500,000

Add your assets and liabilities above to calculate your net worth. Expand each category and add line items with their current values.

Disclaimer

This calculator provides a snapshot of your financial position based on the values you enter. Asset values should reflect current market value, not original purchase price.

This is not financial advice. Net worth is one measure of financial health but does not account for income, expenses, insurance, or other important factors. The age benchmarks are approximate U.S. averages and may not apply to your situation.

For personalized financial planning, consult a certified financial planner or financial advisor.

How to Use Net Worth Calculator

1Add your assets by category (cash, investments, property, etc.).
2Add your liabilities (mortgage, loans, credit card debt).
3View your total net worth and asset allocation.
4Compare your net worth to averages by age group.

Frequently Asked Questions

How do I calculate my net worth?▾

Net worth = Total Assets - Total Liabilities. Add up everything you own (savings, investments, property, vehicles) and subtract everything you owe (mortgages, loans, credit card debt).

What is a good net worth for my age?▾

A common benchmark: your net worth should be roughly your annual salary times your age divided by 10. For example, at age 30 earning $60,000, target ~$180,000.

Should I include my home in net worth?▾

Yes, include your home's current market value as an asset, and your remaining mortgage as a liability. The difference is your home equity.

About Net Worth Calculator

NexTool's Net Worth Calculator is completely free to use with no sign-up required. Your data is processed directly in your browser and never sent to our servers, ensuring complete privacy and instant results.