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Net worth calculator
Add up what you own and what you owe, and see where the total sits among US families your age.
Net worth is everything you own minus everything you owe. In the example, $515,000 of assets and $283,000 of debts give a net worth of $232,000, around the 60th percentile for families headed by someone 35 to 44 in the Federal Reserve's 2025 survey.
Your net worth
$232,000
$515,000 owned minus $283,000 owed.
60th percentile among US families your age; the median is $156,000.
| Item | Amount |
|---|---|
| Cash and savings | $15,000 |
| Investments | $40,000 |
| Retirement accounts | $90,000 |
| Home | $350,000 |
| Vehicles | $20,000 |
| Other assets | $0 |
| Total assets | $515,000 |
| Mortgage | $250,000 |
| Student loans | $20,000 |
| Car loans | $10,000 |
| Credit cards | $3,000 |
| Other debts | $0 |
| Total debts | $283,000 |
| Net worth | $232,000 |
How to calculate net worth
Net worth = assets − liabilities
Assets are what you could sell: cash, investments, retirement accounts, your home and vehicles. Liabilities are what you owe: the mortgage, student and car loans, credit cards and any other debt. A home worth $350,000 with a $250,000 mortgage adds $100,000 to net worth.
Net worth vs your FIRE portfolio
Net worth includes the home you live in and your car, which do not pay for groceries. A FIRE number counts only what you can invest and draw from: in the example, $145,000 of cash, investments and retirement accounts. The FIRE calculator uses that narrower figure.
Questions people ask
What is net worth and how is it calculated?
The value of everything you own minus everything you owe, at today's prices. Add up the accounts and property on the left of the calculator, subtract the debts on the right, and the result is your net worth. It can be negative, for example early in a career with student loans.
How much net worth to be in the top 1%?
Among all US families, the top 1% started at a net worth of $16,270,884 in 2025, and the top 10% at $2,538,547, by our calculation from the Federal Reserve's Survey of Consumer Finances.
How much net worth is considered rich?
There is no official line. As a reference, $1,000,000 is above the net worth of about 78% of US families, and $2,000,000 above about 88%.
Related
The net worth by age calculator compares one total with families your age. How many millionaires are in the US has the counts behind the percentiles.
Sources
- Board of Governors of the Federal Reserve System, Survey of Consumer Finances 2025, released October 9, 2026 (public data; figures in 2025 dollars).
Last reviewed by Asier Fernández, editor, on . Educational information only, not financial advice. How we calculate