Free Net Worth Calculator
Add your assets and liabilities to instantly calculate your net worth, visualize your asset allocation, and see how you compare by age — all 100% free.
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Total Assets
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Total Liabilities
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Net Worth
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Average & median net worth by age group (Federal Reserve Survey of Consumer Finances, 2022). Read our full breakdown →
| Age Group | Median | Average |
|---|---|---|
| Under 35 | $39,000 | $183,500 |
| 35 – 44 | $135,600 | $549,600 |
| 45 – 54 | $247,200 | $975,800 |
| 55 – 64 | $364,500 | $1,566,900 |
| 65 – 74 | $410,000 | $1,794,600 |
| 75+ | $335,600 | $1,624,100 |
Disclaimer: This tool provides estimates for informational purposes only. Results are based on the inputs you provide and general assumptions — they do not constitute financial advice. Nova Net Worth is not a registered investment adviser or financial planner. Consult a qualified financial professional before making decisions based on these results.
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It takes just three steps to get a clear picture of your financial health.
Add everything you own: bank balances, investment accounts, real estate, vehicles, crypto, and other valuables. Use current market values for the most accurate picture.
Enter all your debts: mortgage balance, student loans, auto loans, credit card balances, and any other money you owe. Use your current outstanding balances.
The calculator instantly shows your total net worth, a visual asset allocation breakdown, and how you compare to others in your age group.
Your net worth is the single most important number in personal finance.
Income alone doesn’t show your financial health. Net worth captures everything — assets, debts, and your overall trajectory toward wealth.
When you track your net worth monthly, you can see whether your financial decisions are moving you forward — or holding you back.
Knowing your net worth helps you prioritize: should you pay off debt, invest more, or build an emergency fund? The data tells you.
Your net worth is the foundation of retirement planning. Track it consistently and you'll know exactly when you can retire comfortably.
Watching your net worth grow over time is incredibly motivating. It turns abstract financial goals into a tangible, trackable number.
A growing net worth means you're building a cushion against life's surprises — job loss, medical bills, or unexpected expenses.
Net worth is calculated by subtracting your total liabilities (what you owe) from your total assets (what you own). Assets include cash, investments, real estate, vehicles, and other valuables. Liabilities include mortgages, student loans, auto loans, credit card balances, and any other debts. The formula is simple: Net Worth = Total Assets − Total Liabilities.
Include all assets with meaningful value: bank accounts, retirement accounts (401k, IRA), brokerage accounts, real estate (at current market value), vehicles (at resale value), cryptocurrency, and valuable personal property. For liabilities, include your mortgage balance, student loans, auto loans, credit card debt, personal loans, medical debt, and any other outstanding balances. Don't include your income or monthly expenses — net worth is a snapshot of what you own vs. what you owe.
According to the Federal Reserve's 2022 Survey of Consumer Finances, the median net worth for Americans under 35 is about $39,000, while the average is $183,500. For ages 35–44, the median rises to $135,600 (average $549,600). The median peaks at $410,000 for ages 65–74. The average is always much higher than the median because a small number of very wealthy households pull it up, so the median is a more realistic benchmark for most people.
Most financial advisors recommend tracking your net worth at least once per month. Monthly tracking helps you spot trends early — whether your investments are growing, your debt is decreasing, or an unexpected change needs attention. Quarterly check-ins are the minimum for staying on top of your financial health. For effortless tracking, tools like Nova automatically sync your accounts and update your net worth in real-time.
A negative net worth simply means you owe more than you own, and it's more common than you'd think — especially for young adults with student loans or recent homebuyers with a large mortgage. It doesn't mean you're in financial trouble; it means you're in the early stages of building wealth. The key is making sure your net worth trends upward over time. Focus on paying down high-interest debt, building an emergency fund, and consistently saving and investing.
Stop manually updating spreadsheets. Nova syncs all your accounts in real-time, tracks your net worth history, and uses AI to surface insights that help you build wealth faster. Try Nova free for 30 days — no credit card required.
No credit card required • 30-day free trial • Cancel anytime