Net Worth Calculator
Add up everything you own and owe, then see exactly where you rank for your age using Federal Reserve data — plus milestone status, debt ratio, and your projected trajectory.
Net worth is not how much you earn — it's how much you keep and grow. This tool shows where yours ranks against real households your age.
$192.7k
Median US household net worth (Federal Reserve SCF 2022) — skewed heavily by the top 10%
$39k
Median net worth for households under 35 — the bracket benchmark this tool ranks you against
$1M
The millionaire threshold — reachable for most with consistent investing over 20–30 years
Why tracking net worth changes everything
The number that actually measures financial progress.
See where you actually rank
A net worth number means little without context. This calculator places yours on the Federal Reserve's SCF (2022) distribution for your age bracket and estimates your percentile — so you know whether you're ahead of, at, or behind your real peers, not a generic rule of thumb.
The home equity misconception
Many Americans have most of their net worth tied up in their home — illiquid and highly leveraged. Investable net worth (excluding primary residence) is often the more useful figure for retirement planning. Set home value to $0 to see it.
The first $100k is the hardest
Charlie Munger said it best: 'The first $100,000 is a bitch.' After that, compound growth starts doing meaningful heavy lifting. At 7% annual growth, $100k becomes $200k in 10 years without adding a cent. Reaching $100k is your most important financial milestone.
How the Net Worth Calculator Works
Formula
Net Worth = Total Assets − Total Liabilities
Total Assets = Cash + Investments + Real Estate + Vehicles + Other
Total Liabilities = Mortgage + Car Loans + Student Loans + Credit Cards + Other Debt
Debt-to-Asset Ratio = (Total Liabilities / Total Assets) × 100
Projected Net Worth (Year N) = Assets × (1 + growth%)^N − Liabilities × (0.95)^N
Percentile = interpolated rank of your net worth within your
age bracket's Federal Reserve SCF (2022) distributionEnter all your assets
Cash, investments, retirement accounts, property, vehicles.
Enter all your liabilities
Mortgage, car loans, student loans, credit cards, other debt.
Set your age and growth rate
Age picks your SCF comparison bracket; growth rate drives the projection.
Read your rank
Your net worth, percentile for your age, milestone label, debt ratio, and projection chart.
This calculator gives you a complete snapshot across all categories of assets and liabilities — not just a single number. It then ranks you against your peers: using the Federal Reserve's Survey of Consumer Finances (2022), it estimates your percentile within your age bracket. The default example — roughly $42,000 in net worth at age 30 — lands around the 51st percentile for under-35 households, just above that group's $39,000 median.
The 'years to $1 million' figure projects asset growth at your chosen rate and debt amortisation at ~5% per year. It's a motivational target, not a guarantee — but combined with your percentile rank, it turns an abstract number into a clear sense of where you stand and where you're heading.
Frequently Asked Questions
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