Free net worth calculator — calculate your net worth and see how you compare to other Americans your age
This free net worth calculator (also a net worth percentile calculator by age) helps you figure out exactly how much wealth you've built — and how you compare to other Americans your age. Net worth is the true measure of financial health, not your salary.
Many people making $100k+ have negative net worth because of student loans and credit card debt. Meanwhile, teachers and nurses in their 50s can be millionaires by living below their means.
Assets (what you own):
Liabilities (what you owe):
Notice how the "average" net worth is way higher than the "median"? That's because a few multi-billionaires skew the average way up. The median is the "middle person" — half of households have more, half have less.
The median is a much better benchmark for "normal people." If you're near the median for your age, you're doing just fine!
Net worth goes up when: assets go up OR liabilities go down. Here's how:
A common rule of thumb (from Fidelity): by 35, you should have 2x your annual salary saved. By 50, 6x. By 60, 8x. But everyone's path is different — don't compare yourself to others!
$1 million puts you in the top 10% of US households. $10 million puts you in the top 1%. There are about 15 million millionaire households in the US (out of 131 million total).
Yes, but you subtract the mortgage. So if your house is worth $400k and you owe $250k, you have $150k in home equity. Some people calculate "investable net worth" without home equity — that's how much you'd have if you sold everything and invested it.
Yes! Most people in their 20s have negative net worth because of student loans. The average 25-year-old has about -$10,000 to -$20,000 in net worth. It's totally normal — as long as you're paying off your loans and starting to save.
Yes, but they're depreciating assets. A new car loses 20% of its value the second you drive it off the lot. Cars are not investments — they're expenses. Don't count your car as a major asset when calculating net worth.
The fastest way: pay off high-interest debt (credit cards, payday loans) first. Then max out your 401k match (free money!). Then invest extra in a Roth IRA or brokerage account. Consistency beats intensity — small monthly investments over decades = millionaire status.
Liquid net worth is what you'd have if you sold everything today. It excludes illiquid assets like your house and car (since you'd have fees and moving costs).