Net Worth Calculator 2026
Calculate your net worth instantly — and see how you compare to US medians by age. Add your assets and liabilities for a complete financial snapshot. Nothing is saved.
Quick Answer
Net worth is total assets minus total liabilities. The median US net worth in 2026 is approximately $193,000, but the average is $1,063,700 — skewed by the wealthy. By age: median net worth at 35 is $76,300, at 45 is $168,600, at 55 is $289,500, at 65 is $385,000. Use the calculator below to see your number and how it compares.
Assets
Liabilities
Your Net Worth
Total Assets
$560,000
Total Liabilities
$320,000
Net Worth
$240,000
Age Group Comparison
Your net worth of $240,000 is above the median for your age group (35–44). You are ahead by $104,400.
| Age Group | Your Net Worth | US Median | US Average |
|---|---|---|---|
| 35–44 | $240,000 | $135,600 | $549,600 |
Source: Federal Reserve Survey of Consumer Finances 2022, projected to 2026.
Your Wealth Breakdown
Your largest asset is Home at 63% of total assets. Your largest liability is Mortgage at 88% of total debt.
Portfolio mix: 21% retirement accounts, 13% home equity, 12% liquid (cash + investments).
US Net Worth by Age Group — 2026
Based on Federal Reserve Survey of Consumer Finances 2022, projected to 2026.
| Age Group | Median Net Worth | Average Net Worth | Fidelity Target (1× salary) |
|---|---|---|---|
| Under 35 | $39,000 | $183,500 | 1× annual salary |
| 35–44 | $135,600 | $549,600 | 3× annual salary |
| 45–54 | $247,200 | $975,800 | 6× annual salary |
| 55–64 | $364,500 | $1,566,900 | 8× annual salary |
| 65–74 | $409,900 | $1,794,600 | 10× annual salary |
| 75+ | $335,600 | $1,624,100 | 10× annual salary |
Source: Federal Reserve Survey of Consumer Finances 2022, projected to 2026. Fidelity benchmarks: Fidelity Investments retirement savings guidelines.
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Frequently Asked Questions
What is net worth and how do I calculate it?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). Assets include cash, investments, retirement accounts, real estate, and vehicles. Liabilities include mortgages, auto loans, student loans, credit card balances, and other debts. Net worth = Total Assets − Total Liabilities. A positive net worth means you own more than you owe.
What is the average net worth by age in the US?
According to the Federal Reserve Survey of Consumer Finances (2022, projected to 2026): Under 35: median $39,000, average $183,500. Ages 35–44: median $135,600, average $549,600. Ages 45–54: median $247,200, average $975,800. Ages 55–64: median $364,500, average $1,566,900. Ages 65–74: median $409,900, average $1,794,600. Ages 75+: median $335,600, average $1,624,100. The averages are skewed by the very wealthy — median is a better benchmark.
What is a good net worth at 30? At 40? At 50?
Fidelity recommends having 1× your salary saved by 30, 3× by 40, 6× by 50, and 10× by 67. If you earn $75,000: at 30 a good net worth is $75,000+; at 40 it's $225,000+; at 50 it's $450,000+. The median net worth at 35 (closest reference point for age 30) is approximately $76,300. These are guidelines, not hard targets — your situation is unique.
Does home equity count as net worth?
Yes — home equity (your home's market value minus your mortgage balance) is a major component of net worth for most Americans. If your home is worth $400,000 and you owe $280,000, your home equity is $120,000. This counts fully toward your net worth. However, home equity is illiquid — you can't easily spend it without selling your home or taking a HELOC.
Should I include my 401(k) in my net worth?
Yes — your 401(k), IRA, Roth IRA, and other retirement accounts should be included in your net worth at their current balance. Many financial advisors include them at full value (pre-tax), though technically you'll owe taxes on traditional 401(k) withdrawals. For a more conservative view, you could discount traditional retirement accounts by your expected tax rate in retirement.
What is the median net worth in the US in 2026?
The median US net worth in 2026 is approximately $193,000, based on Federal Reserve Survey of Consumer Finances data projected forward. The average is much higher at approximately $1,063,700 — heavily skewed by billionaires and the ultra-wealthy. Median is the better benchmark: it means half of Americans have more and half have less.
How can I increase my net worth?
The fastest ways to build net worth: (1) Increase income — negotiate raises, develop skills, or add income streams. (2) Reduce high-interest debt — paying off credit cards earning 20%+ is a guaranteed 20% return. (3) Max out tax-advantaged accounts — 401(k) up to $23,500 and Roth IRA up to $7,000 in 2026. (4) Invest consistently — regular investing in index funds compounds over time. (5) Avoid lifestyle inflation — maintain spending as income grows.
What is the difference between net worth and liquid net worth?
Net worth includes all assets — even illiquid ones like real estate, vehicles, and locked-up retirement accounts. Liquid net worth only counts assets you can access quickly: cash, checking and savings accounts, and taxable investment accounts. Your liquid net worth shows how much you could actually access in an emergency without penalties or selling real estate. Most people's liquid net worth is much lower than their total net worth.