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Net Worth Calculator

Budgeting, Personal Finance

Net worth is the total value of a person’s assets minus the total value of his or her liabilities. You won’t use your net worth to make many day-to-day decisions, but it’s a useful snapshot of where you’re at financially. Use our calculator to find yours.

If you’re not sure what count as assets and liabilities, here are some guidelines:

Assets: Assets include cash — such as that in your checking, savings and retirement accounts — and items such as cars, property and investments that you could sell for cash. Count your home if you’d be willing to sell it should the need arise or if you use it for a home equity line of credit.

Liabilities: Liabilities are debts. Revolving consumer debts — such as credit card balances — fall into this category, as do personal, auto and payday and title loan balances. If you’re using the family home as an asset, its mortgage counts as a liability as well.

To learn more about how to find your net worth, check out our guide.

How your net worth compares

The Federal Reserve releases its Survey of Consumer Finances every three years, most recently in September 2017 using data from a survey fielded in 2016. Here’s how net worth stacks up by income, age, family size and education level, and how it has changed since 1998 in constant-dollar amounts.

Net worth of U.S. families

Income tier19982016Change 1998-2016
All families$105,800$97,300-8.03%
Up to $25,300$8,600$6,700-22.09%
$25,301 to $43,500$48,900$32,300-33.95%
$43,501 to $69,500$78,800$81,6003.55%
$69,501 to $111,400$165,700$168,3001.57%
$111,401 to $177,100$278,100$393,60041.53%
Over $177,101$667,400$1,640,100145.74%
Source: Federal Reserve 2016 Survey of Consumer Finances
Age tier19982016Change 1998-2016
All families$105,800$97,300-8.03%
Less than 35$13,500$11,100-17.78%
35–44$93,600$59,800-36.11%
45–54$155,800$124,200-20.28%
55–64$188,700$187,300-0.74%
65–74$216,200$224,1003.65%
75 or more$185,300$264,80042.90%
Source: Federal Reserve 2016 Survey of Consumer Finances
 19982016Change 1998-2016
All families$105,800$97,300-8.03%
Single with child(ren)$23,800$22,400-5.88%
Single, no child, age less than 55$22,800$13,800-39.47%
Single, no child, age 55 or more$128,800$114,800-10.87%
Couple with child(ren)$128,500$117,000-8.95%
Couple, no child$219,200$226,3003.24%
Source: Federal Reserve 2016 Survey of Consumer Finances
 19982016Change 1998-2016
All families$105,800$97,300-8.03%
No high school diploma$31,100$22,800-26.69%
High school diploma$79,800$67,100-15.91%
Some college$113,100$66,100-41.56%
College degree$251,000$292,10016.37%
Source: Federal Reserve 2016 Survey of Consumer Finances

 

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