Net Worth Calculator
Get a complete financial snapshot. Enter your assets and liabilities to calculate your total net worth and see exactly where you stand.
Net Worth Calculator
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What Is Net Worth and Why Does It Matter?
Net worth is the single most important number in personal finance. It's simply Total Assets − Total Liabilities. A positive net worth means you own more than you owe. Tracking your net worth over time is the clearest way to measure financial progress — more meaningful than income or savings rate alone.
Average Net Worth by Age (US, 2026)
Under 35: ~$76,000 median. 35–44: ~$135,000. 45–54: ~$247,000. 55–64: ~$364,000. 65–74: ~$410,000. These are medians — heavily influenced by homeownership and retirement contributions. Don't compare your number to averages; compare it to your own last year's number.
How to Grow Net Worth
Net worth grows by increasing assets (investing, earning more, buying appreciating assets) or reducing liabilities (paying down debt). The most powerful levers are: maximising retirement contributions (tax-advantaged), aggressively paying high-interest debt, and investing consistently in low-cost index funds.