Net Worth Calculator
Calculate your exact net worth by adding all assets and subtracting all debts. Track where you stand against US median and average net worth benchmarks by age. Free 2026.
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How it works
Calculation methodology
US Net Worth Benchmarks by Age (2026)
The Federal Reserve Survey of Consumer Finances tracks American wealth every 3 years. Median net worth by age bracket gives you a realistic benchmark — averages are skewed heavily by the top 1%.
| Age Group | Median Net Worth | Average Net Worth |
|---|---|---|
| Under 35 | ~$39,000 | ~$183,000 |
| 35–44 | ~$135,000 | ~$549,000 |
| 45–54 | ~$247,000 | ~$975,000 |
| 55–64 | ~$364,000 | ~$1,566,000 |
| 65–74 | ~$410,000 | ~$1,794,000 |
The Two Net Worth Numbers That Matter
Total net worth includes everything: home equity, retirement accounts, vehicles, checking and savings. Investable net worth strips out home equity and illiquid assets — this is the number that determines your retirement security, because home equity isn’t available to fund living expenses without selling or borrowing.
Building Net Worth Systematically
The formula is simple: earn more than you spend, invest the difference. Max your 401(k) to capture employer match, then max a Roth IRA ($7,500/year in 2026). Pay off any debt above 7% APR before non-retirement investing. Use our Retirement Calculator to see what your current trajectory produces by retirement age.
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