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Add up your assets and liabilities to see your true financial picture — and how you compare to the US median for your age.
Your Net Worth
$151,500
388% of US median for age 35
Total Assets
$470,000
Total Liabilities
$318,500
Liquid Net Worth
-$276,500
Median (Age ≤35)
$39,000
How you compare
The US median net worth at age 35 is roughly $39,000 (Federal Reserve 2022 Survey of Consumer Finances). Median means half of US households have less. Aim for liquid net worth ≥ 6 months expenses as your emergency floor.
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.
Net Worth Calculator is a high-performance utility designed to help users streamline their workflow. Built with modern web technologies, it ensures fast processing times and high-quality outputs directly in your browser.
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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