Assets
Everything you own with monetary value.
$
$
$
$
$
$
$
$
Total Assets
$489,000
Liabilities
All outstanding debts and obligations.
$
$
$
$
$
$
$
$
Total Liabilities
$286,500
Your Net Worth
$0
Debt-to-Asset Ratio
0%
Liquid Net Worth
$0
Home Equity
$0
Investment Assets
$0
What Is Net Worth?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It's the most fundamental measure of financial health. A positive net worth means your assets exceed your debts. A negative net worth (common early in life) means your debts exceed your assets.
Average Net Worth by Age (2025)
- Under 35: ~$76,000 median, ~$183,000 average
- 35-44: ~$135,000 median, ~$549,000 average
- 45-54: ~$247,000 median, ~$975,000 average
- 55-64: ~$364,000 median, ~$1,566,000 average
- 65-74: ~$409,000 median, ~$1,794,000 average
Note: Average is skewed high by the ultra-wealthy. Median is a better benchmark for most people.
How to Increase Your Net Worth
Increase assets by investing consistently, building emergency savings, and growing retirement accounts. Reduce liabilities by paying down high-interest debt first. The gap between these two numbers, and how fast it grows, is the ultimate measure of financial progress.