Add up what you own and subtract what you owe to see your net worth in under 3 minutes — then compare it to median net worth by age using Federal Reserve data.
Net worth is simple math with a lot of clarity: everything you own, minus everything you owe. Add your assets and liabilities below to see your number — and how it stacks up against your age group.
Net worth is your total assets minus your total liabilities. Assets are everything you own with value — cash, investments, property, vehicles. Liabilities are everything you owe — mortgages, loans, credit card balances. The result can be positive or negative, and both are common depending on where you are in your financial life.
Based on the Federal Reserve's 2022 Survey of Consumer Finances, the most recent data available.
| Age range | Median net worth |
|---|---|
| Under 35 | ~$39,000 |
| 35–44 | ~$135,000 |
| 45–54 | ~$247,000 |
| 55–64 | ~$364,000 |
| 65–74 | ~$410,000 |
| 75+ | ~$335,000 |
Source: Federal Reserve Survey of Consumer Finances, 2022 (most recent survey; 2025 results expected late 2026). Median, not average — the average is pulled much higher by a small number of very wealthy households.
Beelinger adds your entered assets, subtracts your entered liabilities, and compares the result to Federal Reserve Survey of Consumer Finances median net worth data for your selected age range. Benchmark figures are rounded and reflect 2022 dollars, the most recent complete survey available.
Use these related tools to build your net worth from here — investing, budgeting, and debt payoff all move this number.
Beelinger's Money Coach can help you turn your net worth snapshot into a concrete plan — whether that means paying down debt, building savings, or starting to invest.
According to the Federal Reserve's 2022 Survey of Consumer Finances, median net worth is about $39,000 under 35, $135,000 for 35–44, and $247,000 for 45–54. These are medians, not targets — your own trend over time matters more than matching a national figure.
Not necessarily. A negative net worth is common for people with student loans, a recent home purchase, or those early in their career before assets have had time to grow. What matters most is the direction it's moving over time.
Yes — home value counts as an asset and your remaining mortgage balance counts as a liability, so only your actual equity in the home contributes to your net worth.
Quarterly or twice a year is usually enough. Net worth changes slowly, and checking too often mostly just reflects short-term market swings in your investment accounts rather than meaningful progress.
Income is what you earn over a period of time. Net worth is a snapshot of what you own minus what you owe at a single point in time. It's possible to have high income and low net worth, or the reverse.