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Net Worth

One number that summarizes your entire financial life.

Income is a flow; net worth is the scoreboard. This calculator totals what you own (cash, investments, retirement, home equity, property) and subtracts what you owe (mortgage, student, car, cards), then benchmarks the result against the Federal Reserve's Survey of Consumer Finances so the number has context, not just digits.

Why people use this

Anyone doing an annual money checkup uses it to turn scattered accounts into one number with context — the Fed SCF median comparison and the illiquidity share are the parts generic net-worth tools skip.

How it works

1. Enter current market values for assets — what things would sell for today, not what you paid.
2. Enter every liability balance: mortgage, student loans, car loans, credit cards, other debts.
3. Read net worth, the debt-to-asset ratio, and where you stand versus the US household median.

Common questions

What is the median US household net worth?

$192,900, per the Federal Reserve's 2022 Survey of Consumer Finances (the triennial gold standard, published October 2023). The mean is $1,063,700 — the enormous gap between mean and median is wealth concentration at the top, which is why the median is the honest benchmark.

Should I count my house in net worth?

Yes, but honestly: market value minus mortgage balance is your home equity, and that is what counts. This calculator also shows what share of your assets are illiquid — a high net worth that is 90% house cannot pay for an emergency.

What is a good debt-to-asset ratio?

Under 40% is comfortable; over 60% means debt is compounding against you faster than assets compound for you. The ratio matters more than the absolute number — a $50,000 net worth with no debt beats a $200,000 one that is 80% leveraged.

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