Add up what you own and what you owe to get your net worth – the single number that shows whether your finances are moving forward.
By TanLabs · Formulas cross-checked against the free spreadsheet · Updated 2026-10-31 · Runs in your browser – nothing you type is sent anywhere
With cash & savings $8,000, investments & retirement $25,000, home / property value $0, vehicles & other assets $6,000, mortgage $0, car & student loans $12,000, credit cards & other debt $3,000:
Net worth: $24,000
Assets $39,000 − Liabilities $15,000 · Debt-to-asset ratio 38%
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Net worth = total assets − total liabilities. Debt-to-asset ratio = liabilities ÷ assets.
Median family net worth in the US by age, from the Federal Reserve Survey of Consumer Finances (2022, latest published):
| Age of household head | Median net worth (2022) |
|---|---|
| Under 35 | $39,000 |
| 35–44 | $135,600 |
| 45–54 | $247,200 |
| 55–64 | $364,500 |
| 65–74 | $409,900 |
| 75 and older | $335,600 |
| All families | $192,900 |
These are medians, so half of families have less. The averages are much higher because a small number of very wealthy households pull them up, so compare yourself with the median and, more importantly, with your own number last year.
Yes, at what it would sell for today, not what you paid.
It is common early on, especially with student loans. What matters is the direction month to month.
Once a month or once a quarter is enough to see the trend.
Not on the day you pay it: cash and debt fall by the same amount. It raises net worth over time because you stop paying interest.
Yes, at the current balance. Some people also track a "liquid net worth" without retirement accounts and home equity.
Lower is safer. Under 50% means you own more than twice what you owe. A mortgage can push it higher early on, which is normal.
Sources: Federal Reserve – Changes in U.S. Family Finances 2019–2022 (Table 2)