Advertiser Disclosure

Net Worth Calculator: Find Your Net Worth

Input your assets and liabilities in the calculator to find your net worth.
Jan. 22, 2020
Managing Money, Personal Finance
At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

What is net worth?

Net worth is the combined value of your assets, or the things you own that have monetary value, minus the value of your liabilities — the accounts or loans that you’re paying off.

Knowing your net worth gives you a useful snapshot of where you’re at financially. Use our net worth calculator to find yours.

See more financial calculators from NerdWallet.

What are assets and liabilities?

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

AssetsAssets include cash — such as in your checking, savings and retirement accounts — and items such as cars, property and investments that you could sell for cash. These are often referred to as liquid assets.

Some fixed assets can count toward your net worth, too, provided you can or would sell them if needed. Your home, for example, would count toward your net worth if you’re willing to use it for a home equity line of credit or sell it should the need arise.

Assets include cash and items that you could sell for cash.

Liabilities: Any money you owe to another person or entity falls under this category. That includes revolving consumer debts — such as credit card balances — as well as personal, auto, payday and title loan balances. If you’re using your home as an asset, its mortgage counts as a liability as well.

Track your money with NerdWallet

Skip the bank apps and see all your accounts in one place.

How your net worth compares

The Federal Reserve releases its Survey of Consumer Finances every three years — the most recent report was issued in September 2017 with data from a survey fielded in 2016. Here’s how net worth stacks up by income, age, family size and education, and how it has changed since 1998 in 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

About the author