Net worth calculator with age benchmarks.
Enter your assets and liabilities. See your net worth in one number, then see how it compares to peers your age, using Federal Reserve 2022 data. Zero is a valid answer for any field. No signup, no email.
Unlocks a retirement-savings benchmark. Leave at 0 to skip.
What you save each year. Used for the 5-year projection.
Subtracted from home value to compute your equity.
Your net worth
$0
Your net worth is $0. You're not alone. Plenty of households at this life stage have negative net worth, especially with student loans. Here's the shortest path to flip it.
5-year projection
At your current pace, you'll cross $0 by 2031.
Assumes a 7% annual return on your current net worth plus your stated annual savings.
Track this monthly to see it move.
Peer benchmarks from the Federal Reserve's 2022 Survey of Consumer Finances, the most-cited source for US household wealth. Benchmarks include inherited wealth, so use them as direction, not destiny. Projection assumes a 7% annual return and your stated savings rate; real life won't be that smooth. Not financial advice.
Want your net worth to track itself?
Planned tracks your net worth automatically as accounts move. No more spreadsheet updates, no more forgetting that one old account.
Frequently asked questions
Honest answers about what this tool measures and what it doesn't.
What counts as net worth?
Everything you own, minus everything you owe. On the assets side: cash, savings, retirement accounts, investments, home value, cars, and other valuables. On the liabilities side: student loans, credit cards, auto loans, the balance remaining on your mortgage, and any other debt. The number that matters is the difference. This calculator splits home value and mortgage balance into two inputs so you don't have to do the math in your head.
Should I include home equity?
Yes, most people do. Home equity is real wealth, it grows over time, and ignoring it makes your number look smaller than it is. That said, equity in a home you live in is less liquid than cash or retirement accounts. So it's worth knowing your number two ways: total net worth, and net worth excluding your home. The peer benchmarks on this page include home equity because the Federal Reserve's data does.
Where do the benchmarks come from?
The Federal Reserve's Survey of Consumer Finances 2022, released October 2023. It's the most-cited source for US household wealth. We use the published values exactly, without interpolating between age brackets, so the numbers you see are numbers you can look up in the source. One caveat worth knowing: these benchmarks include inherited wealth. Households that received inheritances pull the averages up. Use the numbers as direction, not destiny.
My net worth is negative. What do I do?
First, know that you're not alone. A meaningful share of households under 35 have negative net worth, often because of student loans or a mortgage that's underwater. The path forward is short: stabilize cash flow, then prioritize the highest-rate debts (credit cards first, almost always), then build a small emergency fund, then tackle lower-rate debt and retirement saving in parallel. The number moves faster than people expect once the highest-rate debts are gone.
How often should I recalculate?
Monthly is a good cadence. Weekly is usually too noisy. Your net worth is a lagging measure of your habits, so you want enough time between checks to see the habits actually show up. Most people who track it monthly end up saving more without trying, just because the number gives them a reason to pay attention.
Why is household income optional?
The core net-worth comparison only needs your age and your balance sheet. Income is optional because it unlocks a second benchmark (a retirement-savings rule of thumb based on income multiples) that some people find useful and others don't. If you leave it blank, the calculator just shows the peer comparison and the 5-year projection.