What is the average net worth by age in the U.S.?

Under 35: median $39k. 35-44: median $135k. 45-54: median $247k. 55-64: median $365k. Average is skewed by high-wealth households; median is more representative.

Should I include my home and 401k in net worth?

Yes. Home: market value as asset, mortgage as liability. 401k/IRA: include full balance as asset; note pre-tax so taxes will apply on withdrawal.

Net Worth Calculator – Assets & Liabilities Tracker Free 2025

Assets

Cash & Savings ($)

Investments ($)

Home Value ($)

Other Real Estate ($)

Vehicles ($)

Other Assets ($)

Liabilities

Mortgage Balance ($)

Car Loans ($)

Credit Cards ($)

Student Loans ($)

Other Debts ($)

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Enter values to see insights.

Assets

Cash & Savings ($)

Investments ($)

Home Value ($)

Other Real Estate ($)

Vehicles ($)

Other Assets ($)

Liabilities

Mortgage Balance ($)

Car Loans ($)

Credit Cards ($)

Student Loans ($)

Other Debts ($)

Enter required values to see results

AI InsightsSmart

Enter values to see insights.

Assets

Cash & Savings ($)

Investments ($)

Home Value ($)

Other Real Estate ($)

Vehicles ($)

Other Assets ($)

Liabilities

Mortgage Balance ($)

Car Loans ($)

Credit Cards ($)

Student Loans ($)

Other Debts ($)

Enter required values to see results

AI InsightsSmart

Enter values to see insights.

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Net Worth — The One Number That Shows If You Are Building Wealth

Net worth = total assets minus total liabilities. It is the single clearest measure of financial progress. The median U.S. household net worth was approximately $192,700 in 2024 (Federal Reserve Survey of Consumer Finances). By age group: under 35 median is $39,000; ages 35–44 is $135,000; 45–54 is $247,000; 55–64 is $365,000; 65–74 is $410,000. Tracking net worth quarterly — even when income is stable — reveals whether your financial decisions are moving you forward or backward.

How to Calculate Your Net Worth

List all assets at current market value: bank accounts, investments, retirement accounts (401k, IRA), home equity (current value minus mortgage balance), vehicle value, and other property. List all liabilities: mortgage balance, car loan, student loans, credit card balances, personal loans. Net Worth = Total Assets − Total Liabilities. Positive = you own more than you owe. Negative = you owe more than you own (common for young adults with student debt and little savings).

Frequently Asked Questions

Cash, savings, checking accounts; brokerage and investment accounts at current market value; 401(k), IRA, pension current balance; home current market value; vehicle current value; business equity; valuable personal property. Use current market values — not purchase prices or original costs.

Federal Reserve data: Under 35: median $39,000, average $183,000. Ages 35–44: median $135,000, average $549,000. Ages 45–54: median $247,000, average $975,000. Ages 55–64: median $365,000. The average is skewed by high-wealth households — median is more representative of typical Americans.

Yes. Home: include current market value as asset and outstanding mortgage as liability — the difference is home equity. 401k/IRA: include full balance as an asset, though note these are pre-tax accounts — when withdrawn, taxes will reduce the actual usable value. Some track a "tax-adjusted" net worth accounting for deferred taxes.

A common benchmark: net worth equal to your annual salary by age 30, 3× salary by 40, 6× by 50, 10× by 60. These are guidelines from retirement planning research — your personal retirement income needs and goals are the real target.

Monthly is ideal when actively reducing debt or building savings. Quarterly is sufficient for most people. Track it consistently — not because any one month matters, but because the trend over 12–24 months shows whether your financial strategy is working.