Net worth calculator
Enter assets and debts to calculate net worth and see how each group contributes.
Your details
Your results
$468,000 in assets minus $301,500 in liabilities
Compared with the 35–44 age band
i
These figures describe families in the Federal Reserve's 2025 Survey of Consumer Finances, in 2025 dollars. Median is the middle family; mean is the average. An individual's finances may differ from a family's.
- You
- $166,500
- Median
- $155,600
- Mean
- $681,900
You are +$10,900 compared with the median and -$515,400 compared with the mean for families in this age band.
- Total assets
- $468,000
- Total liabilities
- -$301,500
- Liquid net worth
i
Checking, savings and taxable investments, minus credit-card debt. This measure leaves out your home, vehicles and retirement accounts.
- $14,500
- Home equity
- $72,000
- Debt-to-asset ratio
i
Total liabilities divided by total assets. A zero asset total leaves this ratio unavailable.
- 64%
Benchmarks: 2025 Survey of Consumer Finances, families, 2025 dollars.
Shared links include the numbers you enter.
Assets and liabilities
| Item | Value |
|---|---|
| Checking & savings | $18,000 |
| Taxable investments | $0 |
| Retirement accounts | $96,000 |
| Home value | $340,000 |
| Vehicles | $14,000 |
| Other assets | $0 |
| Total assets | $468,000 |
| Mortgage balance | -$268,000 |
| Student loans | -$21,000 |
| Auto loans | -$9,000 |
| Credit cards | -$3,500 |
| Other debts | -$0 |
| Total liabilities | -$301,500 |
| Net worth | $166,500 |
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2025 family net worth by age
| Age band | Median | Mean |
|---|---|---|
| Under 35 | $33,000 | $135,400 |
| 35–44 | $155,600 | $681,900 |
| 45–54 | $253,700 | $1,244,500 |
| 55–64 | $411,900 | $1,878,000 |
| 65–74 | $431,300 | $1,897,600 |
| 75 and older | $504,900 | $1,962,200 |
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How to use this tool
- Enter your age for the family comparison.
- Add current values of assets you own.
- Add liabilities to subtract from assets and calculate net worth.
How we calculate it
Net worth equals total assets minus total liabilities. Liquid net worth here includes checking, savings and taxable investments, minus credit-card debt. Home equity subtracts the mortgage from home value.
Age comparisons use families in the Federal Reserve’s 2025 Survey of Consumer Finances, expressed in 2025 dollars. Median is the middle family; mean is the average. A family comparison may differ from an individual’s finances.
Sources: federalreserve.gov, source 1