Net Worth Calculator
Add up what you own, subtract what you owe, and get your net worth instantly — with U.S. medians by age for context. Everything stays in your browser.
Your net worth
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Assets minus liabilities
Total assets
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Total liabilities
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How this net worth calculator works
Net worth is a snapshot: assets − liabilities. This calculator groups your finances the same way Stoia does — cash, investments, crypto, real estate, vehicles, and other assets on one side; mortgages, auto loans, student loans, credit cards, and other debts on the other. Enter current balances (best guesses are fine) and the math updates as you type.
Two rules keep the number honest. First, use market values, not purchase prices — what your house and car would sell for today. Second, use payoff balances for debts, not monthly payments — the remaining principal on the mortgage, not the $2,100 you send each month.
Median U.S. net worth by age
Context helps. These are median household figures from the Federal Reserve's 2022 Survey of Consumer Finances — the typical household, not the average (which skews high):
| Age of head of household | Median net worth |
|---|---|
| Under 35 | ≈ $39,000 |
| 35–44 | ≈ $135,600 |
| 45–54 | ≈ $247,200 |
| 55–64 | ≈ $364,500 |
| 65–74 | ≈ $409,900 |
| 75+ | ≈ $335,600 |
If you're below the median for your age, that's a starting line, not a verdict — the levers are the same for everyone: raise savings rate, pay down high-interest debt (our debt payoff calculator shows the fastest order), and let compounding work (see the compound interest calculator).
Why tracking beats calculating
A one-off number is trivia; the trend is the tool. Net worth measured quarterly tells you whether your whole system — income, spending, saving, investing — is actually working. That's the core idea behind tracking every asset class in one place, and it's what Stoia automates: accounts sync, values update, and the chart draws itself.
Frequently asked questions
What is net worth?
Net worth is everything you own (assets) minus everything you owe (liabilities). Assets include cash, investments, retirement accounts, crypto, real estate, and vehicles; liabilities include mortgages, student loans, auto loans, and credit card balances. It's the single best summary of your financial position.
What is the average net worth in the U.S.?
Per the Federal Reserve's 2022 Survey of Consumer Finances (the latest available), the median U.S. household net worth is about $192,700. By age: under 35 ≈ $39,000; 35–44 ≈ $135,600; 45–54 ≈ $247,200; 55–64 ≈ $364,500; 65–74 ≈ $409,900. Medians describe the typical household — averages are pulled far higher by the wealthiest.
Is a negative net worth bad?
It's common early in adult life — student loans and a car loan can outweigh savings for years. What matters is the direction: paying down debt and building assets moves the number steadily upward. Track it quarterly rather than daily.
Should I count my home in my net worth?
Yes — use its current market value as an asset and the remaining mortgage principal as a liability. The difference is your home equity. Just remember it's illiquid: you can't spend your kitchen.
How often should I calculate my net worth?
Monthly or quarterly is plenty. The value comes from the trend over years, not day-to-day noise. An app that syncs your accounts (like Stoia, which we're building) makes the number continuous instead of a chore.
Does this calculator store my data?
No. Everything you type stays in your browser — nothing is sent to a server, saved, or tracked.
Want this to update itself?
Stoia connects your real accounts and keeps the full picture current — net worth, budgets, and goals. Launching in 2026.