Net Worth Calculator

Typical 35-Year-Old

Total assets: $416,000. Total liabilities: $288,000. Net worth: $128,000. Debt-to-asset ratio: 69%. This is a healthy starting position for a 35-year-old — the median US net worth for this age group is approximately $91,000.

Your net worth is the clearest single measure of your financial health. This calculator adds up all your assets — cash, investments, property — and subtracts all your debts to give you your true financial picture.

All values are point-in-time estimates
Asset values should reflect current market value, not purchase price
Retirement account balances are pre-tax — actual after-tax value will be lower

What is the average net worth by age in the US?

According to the Federal Reserve's 2022 Survey of Consumer Finances: under 35: ~$39,000 median; 35–44: ~$135,000; 45–54: ~$247,000; 55–64: ~$365,000; 65–74: ~$410,000. Averages are much higher due to wealthy outliers — median is more representative.

Should I include my home in net worth?

Yes — your home equity (market value minus mortgage balance) is a real asset and should be included. Just remember it is illiquid; you cannot spend it without selling or borrowing against the home. Many financial planners track net worth both with and without home equity for this reason.

How often should I calculate my net worth?

Quarterly is ideal. Annual at minimum. Tracking net worth over time is more valuable than any single snapshot — it shows whether you are building wealth consistently or just treading water.

Your Net Worth

Net Worth Summary