Net Worth Calculator
Calculate your net worth and see how you compare to others your age. AI gives you a financial health score.
Assets (What You Own)
Liabilities (What You Owe)
Track All Your Investments in One Place — Free
Empower (formerly Personal Capital) connects all your accounts and shows your full financial picture. Net worth, investment performance, and retirement forecast — 100% free.
Try Empower FreeWhat Is Net Worth?
Net worth is simply what you own minus what you owe. Assets include cash, investments, real estate, and valuables. Liabilities include mortgages, car loans, student loans, and credit card debt. A positive net worth means you own more than you owe — and growing it over time is the foundation of financial health.
Average Net Worth by Age
According to the Federal Reserve, the median net worth in the US is around $192,700. But medians vary significantly by age: under 35 it's about $39,000, ages 35–44 around $135,000, and ages 55–64 around $364,000. Don't stress about comparisons — focus on your own trajectory and whether your number is growing year over year.
How to Grow Your Net Worth
Two levers: increase assets and reduce liabilities. Pay down high-interest debt aggressively, invest consistently in index funds, avoid depreciating assets like new cars, and build income streams. Tracking your net worth monthly keeps you accountable and motivated.
Frequently Asked Questions
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