Add up everything you own and everything you owe to see your true financial picture. Your net worth is the single most important number in personal finance.
Income tells you how much money flows through your hands. Net worth tells you how much you have actually kept. A person earning $200,000 per year with $300,000 in debt and no savings has a lower net worth than someone earning $50,000 with a paid-off car and $40,000 in retirement accounts. The second person is wealthier, even though their paycheck is smaller.
Track it regularly. Calculating your net worth once is useful. Calculating it quarterly or annually is transformative. When you see your net worth increasing over time, every smart financial decision gets reinforced. When you see it stagnant or declining, it creates urgency to change course. Treat this calculator as a financial check-up you schedule every few months.
Average net worth by age (U.S. medians). Under 35: $39,000. Ages 35-44: $135,000. Ages 45-54: $247,000. Ages 55-64: $364,000. Ages 65-74: $409,000. These are median figures from the Federal Reserve Survey of Consumer Finances. If you are below the median for your age group, that is not a reason to panic -- it is a starting point for planning. If you are above it, keep going.
This net worth calculator runs entirely in your browser. We do not store, transmit, or see any of the numbers you enter. Your financial data stays on your device.