How to calculate your net worth
Net worth = total assets − total liabilities
List each account and its current balance, your home's estimated market value, and what your car would sell for. Then list every debt: mortgage, car loans, student loans, credit cards and personal loans. Subtract the debts from the assets.
Median net worth by age (US)
Approximate medians from the Federal Reserve's 2025 Survey of Consumer Finances, released in October 2026:
| Age of household head | Median net worth |
|---|
| Under 35 | $33,000 |
| 35–44 | $156,000 |
| 45–54 | $254,000 |
| 55–64 | $411,000 |
| 65–74 | $431,000 |
| 75 and older | $505,000 |
Ways to grow your net worth
Last reviewed October 2026.
Frequently asked questions
What is net worth?
Net worth is everything you own (assets) minus everything you owe (liabilities). If your home, savings and investments are worth $400,000 and you owe $250,000 on loans, your net worth is $150,000.
What should I count as assets?
Cash, retirement and investment accounts, the market value of your home and other property, vehicles (what they would sell for, not what you paid), and the cash value of life insurance. Leave out everyday belongings unless they are valuable and easy to sell.
What is a good net worth for my age?
It varies widely. The Federal Reserve's 2025 Survey of Consumer Finances (released October 2026) puts the median US household net worth at about $216,000, rising with age until retirement. A common rule of thumb for a target is age × pre-tax income ÷ 10.
Can net worth be negative?
Yes, and it is common early in life, especially with student loans. What matters most is the trend. Paying down debt and saving regularly will move it up over time.
How often should I check my net worth?
Every few months or once a year is enough for most people. Your entries stay in this browser, so you can come back and update them.