Net Worth Calculator with Age Comparison 2026
Enter your assets and liabilities to calculate your net worth. See how you compare to the US median for your age group. Free, no signup, no data stored.
Used to compare your net worth to US median for your age group.
Assets - what you own
Checking, savings, money market accounts
Stocks, bonds, ETFs, mutual funds (non-retirement)
401(k), IRA, Roth IRA, pension value
Current market value of your primary residence
Investment properties, vacation homes
Current market value of all vehicles
Business equity, collectibles, jewelry, etc.
Liabilities - what you owe
Remaining balance on home loan
Remaining balance on vehicle loans
Federal and private student loan balances
Total credit card balances
Personal loans, medical debt, etc.
Any other money owed
Your net worth
$145,500
Total assets
$355,000
Total liabilities
$209,500
Age benchmark (35 to 44)
$135,000 (median)
How you compare at age 35
US benchmark data for the age group: 35 to 44
| Percentile | US Amount | Your Position |
|---|---|---|
| 25th Percentile | $30,000 | above |
| Median (50th) | $135,000 | above |
| 75th Percentile | $380,000 | below |
| Top 10% (90th) | $854,000 | below |
Your net worth of $145,500 puts you in the 50th to 75th percentile (above US median) for Americans aged 35 to 44.
Benchmark data: Federal Reserve Survey of Consumer Finances (2022). Percentile estimates are approximations.
Asset vs liability proportion
Asset share
Liability share
Set a net worth goal
At $12,000/year with 7% growth, you could reach $500,000 in approximately 12 years (around 2038).
Average net worth by age in the US in 2026
According to the Federal Reserve Survey of Consumer Finances (2022), the median net worth by age group in the US is: under 35 at $39,000, ages 35 to 44 at $135,000, ages 45 to 54 at $247,000, ages 55 to 64 at $364,000, and ages 65 to 74 at $409,005. The median is a better benchmark than the mean because the mean is pulled sharply upward by the ultra-wealthy.
These numbers reflect total net worth including home equity, retirement accounts, and all other assets minus all liabilities. Most Americans under 35 have low net worth because of student loans, car payments, and limited time to accumulate savings. By the 45 to 54 age group, home equity and retirement account growth begin to compound significantly. Use our [salary to hourly calculator](/tools/salary-to-hourly) to see how your hourly rate affects your salary, and see how the growth builds over time using our [compound interest guide](/guides/compound-interest-explained).
What should be included in a net worth calculation?
Include every asset you own at current market value: cash, savings accounts, investment accounts, retirement accounts (401k, IRA, Roth IRA), home equity, vehicle value, and business equity. Subtract every liability: mortgage balance, auto loans, student loans, credit card balances, and personal loans. Net worth equals total assets minus total liabilities.
A common mistake is including income instead of assets. Your salary is not part of net worth. Only accumulated wealth (what you own) minus debt (what you owe) counts. Another mistake is using original purchase price for assets like homes and cars instead of current market value. Use Zillow or Redfin for home value estimates and Kelley Blue Book for vehicle values to get accurate asset figures. If you are calculating taxes on your income, use our [tax calculator](/tools/federal-income-tax) for a detailed projection.
How to grow your net worth faster
The three most effective ways to grow net worth are: eliminating high-interest debt (each dollar paid reduces liabilities by one dollar and eliminates ongoing interest cost), increasing your savings rate (the percentage of income saved matters more than the total amount saved), and investing consistently in low-cost index funds (historical average of 7% annual real return over long periods).
Income increases only build net worth when spending stays flat. Many people experience lifestyle inflation where higher income leads to higher spending and no net worth growth. Tracking net worth monthly using a calculator like this one creates accountability and makes progress visible. The goal planner above shows exactly how many years it takes to reach a target at your current savings rate, which makes the abstract goal of building wealth concrete and actionable. You can model different savings growth scenarios with our [compound interest calculator](/tools/compound-interest), or check out our [debt payoff calculator](/tools/debt-snowball-calculator) to design a debt repayment schedule.
Frequently asked questions about net worth
How do I calculate my net worth?
Net worth equals total assets minus total liabilities. Assets include cash, investments, retirement accounts, real estate value, and vehicle value. Liabilities include mortgage balance, car loans, student loans, credit card debt, and any other money owed. The calculator above handles this automatically.
What is the average net worth by age in the US in 2026?
According to Federal Reserve Survey of Consumer Finances data: under 35: median $39,000, mean $183,005. Ages 35-44: median $135,000, mean $549,005. Ages 45-54: median $247,000, mean $975,005. Ages 55-64: median $364,000, mean $1,566,000. Ages 65-74: median $409,000, mean $1,794,000. Median is more representative than mean because mean is pulled up by very high earners.
What is a good net worth at 30?
The median net worth for Americans under 35 is approximately $39,000. A common financial guideline suggests having 1x your annual salary saved by age 30. At $60,000 income, that is $60,000 in net worth. However, starting from student loan debt is common at this age, so any positive net worth at 30 is a solid foundation.
What is a good net worth at 40?
The median net worth for Americans aged 35-44 is approximately $135,000. Financial guidelines suggest 3x your annual salary in net worth by age 40. At $75,000 income, the target would be $225,000. This typically includes home equity, retirement accounts, and investments minus any remaining debts.
Should I include my home in net worth?
Yes, include your home value as an asset and your remaining mortgage balance as a liability. The difference (home equity) contributes to your net worth. Use the current market value of your home, not the original purchase price. Home equity is often the largest component of net worth for middle-class Americans.
Should I include my car in net worth?
Include your vehicle as an asset at its current market value (check Kelley Blue Book or similar). Also include the remaining auto loan as a liability. For most people, vehicles are a declining asset, losing 15-25% of value per year. A car worth $25,000 with a $20,000 loan contributes only $5,000 to net worth.
Does net worth include retirement accounts like 401k and IRA?
Yes. Include the current balance of all retirement accounts (401k, IRA, Roth IRA, pension value) as assets. While these funds have early withdrawal penalties, they are real assets that contribute to your financial position. Most financial advisors include pre-tax retirement accounts at face value in net worth calculations.
What is the difference between net worth and income?
Income is what you earn each year. Net worth is the total value of everything you own minus everything you owe, accumulated over your lifetime. A high income does not guarantee a high net worth if spending is also high. Net worth grows through saving, investing, and debt reduction over time, not just from earning more.
How quickly can I grow my net worth?
Net worth grows fastest by combining three actions: reducing high-interest debt (guaranteed return equal to the interest rate), increasing savings rate (every extra dollar saved goes directly to net worth), and investing in index funds (historical average of 7% annual return after inflation). Increasing income while keeping expenses stable is the most powerful accelerator.
What net worth do I need to retire?
The common guideline is 25x your annual expenses in invested assets, based on the 4% safe withdrawal rate. If you spend $50,050 per year, you need $1,250,000 in investable net worth to retire. Social Security and pension income reduce the amount needed from personal savings.