Calculate and track your net worth with comprehensive asset and liability analysis.
Your financial goal
The average American net worth is $748,000, but the median is only $121,000. This huge gap shows wealth inequality and the importance of building assets.
High income doesn't guarantee high net worth. True wealth is measured by assets minus liabilities, not salary.
💡 Key Point: Don't despair if your net worth is negative. Young people often have debt from investments (education, housing). What matters is that your net worth increases each year.
Median net worth
Median net worth
Median net worth
Median net worth
Median net worth
Top 10% of Americans
Median net worth
Median net worth
Median net worth
Median net worth
Median net worth
Top 10%
These figures are for reference only. Individual situations vary greatly by location, career, and personal circumstances. The most important thing is that your net worth increases year over year, not how you compare to others.
Promotions, job changes, side hustles, skill development
Cut subscriptions, dining out, unnecessary purchases
Credit cards, personal loans first
Stocks, bonds, retirement accounts
401k match, HSA, stock options
3-6 months expenses to avoid debt
Primary residence or rental properties
Automatic transfers to savings and investments
Monthly net worth calculations
Learn about investing, taxes, personal finance
Net Worth Growth = (Income - Expenses) + Asset Returns - Debt Interest
"I'm rich because my house went up" ignores mortgage debt. Real estate value minus mortgage balance equals actual real estate net worth.
Credit card balances and overdrafts aren't "small money." High-interest debt quickly erodes net worth.
Cars, electronics, luxury items should be valued at current market price, not purchase price.
Calculating once is meaningless. Net worth should be tracked regularly to identify trends and improvement opportunities.
Peer comparisons can lead to complacency or despair. Focus on your year-over-year growth.
High net worth with poor cash flow creates problems. You need both assets and income.
Knowledge is power when it comes to building wealth. Use our calculator above to get a clear picture of your financial situation and create a plan to reach your goals.