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Add up your assets and liabilities. Compare to US median by age.
Net Worth Calculator sums assets (cash, investments, retirement, real estate, vehicles) minus liabilities (mortgage, auto, student, credit card debt) and benchmarks against Federal Reserve SCF median values by age group.
Calculate your true net worth by adding up cash, investments, real estate, and other assets, then subtracting all debts. Compare against the US median for your age bracket.
Enter your age to benchmark against US medians.
Add each asset (cash, investments, retirement, home).
Add each liability (mortgage, auto, student, credit cards).
Net worth = sum of all asset values − sum of all liability values. Liquid net worth excludes illiquid assets (real estate, retirement, vehicles). Benchmarks are Federal Reserve Survey of Consumer Finances (SCF) 2022 median values by age group.
The US median is roughly $39K under 35, $135K at 35–44, $247K at 45–54, $364K at 55–64. These are medians (half above, half below), so don't compare to averages which are skewed by ultra-wealthy households.
Yes — your home's market value is an asset, and the remaining mortgage is a liability. Together they make up your home equity portion of net worth.
Liquid net worth = cash + savings + brokerage (easily sold) minus debts. Excludes retirement accounts (early withdrawal penalty) and home equity (illiquid). Aim for 6+ months of expenses.
Federal Reserve Survey of Consumer Finances (SCF), 2022 release — the most recent published as of 2026. The SCF is released triennially.
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