Add up what you own and what you owe to see your net worth in seconds, then compare it with the latest Federal Reserve data for US households your age.
Use today’s value: what you could sell it for, not what you paid.
Current balances on every loan and card.
Federal Reserve 2025 Survey of Consumer Finances, by age of household head. The median is the middle household; the average is pulled up by the very wealthy.
| Age | Median | Average |
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How to calculate your net worth
Net worth is everything you own minus everything you owe:
Net worth = total assets − total debts
Assets include cash, savings, investments, retirement accounts like a 401(k) or IRA, the market value of your home, vehicles and anything else you could sell. Debts include your mortgage, car loans, student loans, credit card balances and any other loans. Enter today’s values above and the calculator does the math, then compares you with other US households your age.
Average and median net worth by age
The Federal Reserve’s 2025 Survey of Consumer Finances, released in October 2026, shows median net worth of about $33,000 for households under 35, $156,000 at 35 to 44, $255,000 at 45 to 54 and $411,000 at 55 to 64. The averages are several times higher because a small number of very wealthy households pull them up, so the median is the better benchmark for most people.
Is a negative net worth bad?
It is common early in life, especially with student loans or a new car loan, and it is not a crisis on its own. What matters is the direction. If your net worth rises each year as you pay down debt and invest, you are on track.
How to grow your net worth faster
- Pay off high-interest debt first. Clearing a card charging 22% is a guaranteed 22% return. Use our credit card payoff calculator or debt payoff calculator.
- Get the full employer 401(k) match. It is free money. See our 401(k) calculator.
- Invest automatically every month in low-cost index funds. Start with how to invest $1,000.
- Keep an emergency fund in a high-yield savings account so a surprise bill does not go on a card.
- Avoid overspending on cars. Vehicles lose value quickly. See how much car you can afford.
- Track it once or twice a year. Watching the number rise is motivating, and it shows whether your plan is working.
Want to see how your savings stack up for retirement? Compare with how much you should have saved by age and try the retirement calculator.
Frequently asked questions
Should I include my home in my net worth?
Yes. Include its current market value as an asset and the mortgage balance as a debt. The difference is your home equity. Some people also track net worth without the home to see how much they could actually spend.
What is a good net worth by age 30?
A common rule of thumb is to aim for about one year of salary saved by 30. The median net worth for US households under 35 is about $33,000.
Do I include my car in net worth?
Yes, at what it would sell for today, not what you paid. Include the car loan as a debt.
What is the median net worth in the US?
Across all ages, it rises steadily with age, from about $33,000 under 35 to over $400,000 for households aged 55 to 74, according to the Federal Reserve’s 2025 survey.
This calculator is for general information, not financial advice.
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