Net Worth
Not just what you own minus what you owe — see your liquid net worth, how concentrated you are in your home, and how you stack up against your age group.
Median net worth for ages 35–44 is $135,600 (U.S. Federal Reserve, 2022). You're 83% of the median — below the typical household your age; the liquid number is the one to grow first.
Liquid net worth excludes your home — it's the wealth you could actually reach in a hurry. A high “% tied to home” means strong paper wealth but thin flexibility.
How to use this calculator
- Enter your ageUsed to benchmark you against the median for your age group.
- List your assetsCash, investments, home value, and other big-ticket items.
- List your debtsMortgage, loans, and card balances — then read your liquid net worth and benchmark.
Net worth is the single most honest number in personal finance: everything you own minus everything you owe. But the headline figure can flatter you. This calculator goes further — it separates your liquid net worth from wealth locked in your home, and benchmarks you against real Federal Reserve data for your age group, so the number actually means something.
Why the headline number can mislead
Two people can have the same $300,000 net worth and be in completely different positions. If one holds it as home equity and the other as cash and investments, only the second can actually reach it in an emergency. That is why this tool also shows liquid net worth (what you could tap quickly) and the share of your wealth tied up in your home. A high home concentration means strong paper wealth but thin flexibility.
Context beats the raw number
A number alone tells you little — $150,000 is excellent at 28 and behind at 60. The calculator compares you to the median net worth for your age, drawn from the Federal Reserve's Survey of Consumer Finances, the most authoritative dataset on U.S. household wealth. As of the 2022 survey, the median ranged from about $39,000 for households under 35 to roughly $410,000 for ages 65–74.
A worked example
Suppose you are 35 with $50,000 in cash and investments, $350,000 in home value, $280,000 left on the mortgage, and $22,000 in other debt. Your net worth is about $98,000 — but your liquid net worth is only about $28,000, and roughly 71% of your wealth sits in home equity. The headline looks healthy; the liquid number shows where the work is. Track the trend over time, not the daily figure.