What is a good net worth for my age?

Federal Reserve data (2022) shows median net worth by age: under 35 at $39,000, 35-44 at $135,600, 45-54 at $247,200, 55-64 at $364,500, and 65-74 at $409,900. A common rule of thumb suggests net worth should equal 2× your income by 35, 4× by 45, and 6× by 55.

Should I include my primary residence in net worth?

Yes, include home equity (market value minus mortgage balance) as an asset. However, since it is illiquid and you need somewhere to live, many financial planners also track "investable net worth" — excluding primary residence — for retirement planning purposes.

How often should I calculate my net worth?

Tracking quarterly or semi-annually is sufficient. Net worth fluctuates with market conditions, so monthly check-ins can create unnecessary anxiety. The goal is to observe an upward trend over multi-year periods, not react to short-term volatility.

What is the difference between assets and liabilities?

Assets are things you own that hold monetary value — cash, investments, real estate, vehicles. Liabilities are financial obligations you owe — mortgages, loans, credit card balances. Net worth is simply the difference: total assets minus total liabilities.

Are the calculations on Net Worth Calculator | Assets Minus Liabilities private?

Yes, completely. All calculations are performed entirely locally inside your browser using JavaScript. No inputs or personal metrics are ever transmitted to or stored on our servers.

Net Worth Calculator | Assets Minus Liabilities

Net Worth Calculator – Assets & LiabilitiesMetriova provides free online calculators for finance, business, health, and construction. Calculate loans, investments, fitness metrics, and project materials in seconds.Median Net Worth by Age in the USNet worth = Assets - Liabilities. The Federal Reserve Survey of Consumer Finances (2022) shows median net worth peaks in the 65-74 age group at $409,900. Median is lower than average because high-net-worth outliers skew the mean upward. The 90th percentile net worth for ages 55-64 exceeds $5.5 million.

Age Range

Median Net Worth

Average Net Worth

18-24

$8,216

$28,706

25-34

$35,123

$136,454

35-44

$135,300

$549,289

45-54

$248,000

$975,180

55-64

$364,500

$1,566,972

65-74

$409,900

$1,794,627