Find your net worth in minutes. Enter what you own and what you owe — the difference is your financial snapshot.
Net worth is the difference between what you own (assets) and what you owe (liabilities). It's the single most comprehensive snapshot of your financial health. A positive net worth means you own more than you owe. A negative net worth is common early in life — especially with student loans — and can improve significantly as you pay down debt and build savings.
According to Federal Reserve data, median US net worth by age: Under 35: ~$39,000. Ages 35–44: ~$135,000. Ages 45–54: ~$247,000. Ages 55–64: ~$365,000. Ages 65–74: ~$410,000. A common milestone: aim for 1× your annual salary saved by 30, 3× by 40, 6× by 50, and 8× by 60.
Yes — your home's current market value is an asset, and the outstanding mortgage is a liability. The difference (your home equity) contributes to net worth. However, since your home isn't liquid, many financial planners also track "liquid net worth" separately — assets you could access quickly without selling your home.