Assets — What You Own
💵 Cash & Savings
$0📈 Investments
$0🏠 Real Estate
$0🚗 Vehicles & Other
$0Total Assets$0
Liabilities — What You Owe
🏦 Mortgage Debt
$0🎓 Student Loans
$0🚙 Auto & Other Loans
$0💳 Credit Cards
$0Total Liabilities$0
Your Net Worth
$0
Enter your assets and liabilities above to calculate
📊 Asset Allocation
💳 Liability Breakdown
📈 How Do You Compare? (Median Net Worth by Age — Fed SCF 2022)
Enter your age below to see where you stand vs. the median American.
🎯 Net Worth Milestones
📌 Track Your Net Worth For Free
Connect your accounts to get a real-time net worth dashboard, automatic tracking, and your full financial picture in one place.
Empower (Personal Capital)
Free net worth tracker + investment dashboard
Up to $100/signup via FlexOffers
Betterment
Automated investing + retirement guidance
$25–$1,250/referral
Wealthfront
Passive investing + financial planning
$100/client
CIT Bank
High-yield savings accounts (4–5% APY)
Per funded account
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Frequently Asked Questions
What is net worth and why does it matter?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It gives you a single number that represents your overall financial health. Tracking your net worth over time shows whether you're making progress toward your financial goals, regardless of how much you earn or what your monthly budget looks like.
How do I calculate my net worth?
Add up the current balances of all your assets — checking and savings accounts, investments, retirement accounts, real estate equity, and vehicle values. Then subtract all your debts — mortgages, student loans, auto loans, credit card balances, and any other liabilities. The formula: Net Worth = Total Assets − Total Liabilities.
What counts as an asset?
Any item of value that you own counts as an asset. This includes liquid assets (cash, checking, savings), investments (401k, IRA, brokerage accounts), real estate equity (home value minus mortgage), vehicles at market value, and other valuables like crypto, precious metals, or collectibles. Use current market value estimates for real estate and vehicles.
What should my net worth be for my age?
A common rule of thumb is the "wealth multiplier": by age 30, aim for 50% of your annual income; by 40, 2x your income; by 50, 4x; by 60, 6x; by 67, 8–10x. According to the Federal Reserve's Survey of Consumer Finances, median net worth for Americans under 35 is ~$30,000, ages 35–44 ~$135,000, ages 45–54 ~$275,000, ages 55–64 ~$410,000.
Is negative net worth ever normal?
For young people with student loans and a starter mortgage, negative net worth is common and not necessarily a sign of poor financial health. What's important is the trend — a shrinking negative net worth is progress. Many entrepreneurs intentionally carry debt to fund growth. Focus on your trajectory rather than a specific milestone at a specific age.
How often should I recalculate my net worth?
At minimum once per year during your annual financial review. Monthly is better if you're actively paying off debt or investing. Apps like Empower can track it automatically by linking your accounts. Regular tracking keeps you motivated and helps you spot problems before they spiral.