Determine Net Worth Calculator
Totals assets and liabilities on the Survey of Consumer Finances category rows to give net worth, net worth excluding the primary residence (SEC rule), liquid net worth, and a comparison with the 2022 SCF median and mean for your age group.
Your figures
Updates as you typeHow this is worked out
8 steps
- Financial assets = 355862.06; nonfinancial assets = 521200.00; total assets = 877062.06.
- Total liabilities = 373135.53.
- Net worth = 877062.06 - 373135.53 = 503926.53.
- Home equity = 485000.00 - 333642.31 = 151357.69.
- Excluding the primary residence (SEC rule) = 503926.53 - 485000.00 + min(333642.31, 485000.00) = 352568.84.
- Liquid net worth = liquid assets 97558.16 - debts not secured by the home 39493.22 = 58064.94.
- Benchmark (35 to 44, 2022 SCF): median 135600.00, mean 549600.00; difference from median = 368326.53.
- All lines were added as whole cents, so every total is exact.
Its 5 worked examples are re-run on every release, last on 15 September 2026. What changed
Sources and references
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What this calculator does
Totals assets and liabilities on the Survey of Consumer Finances category rows to give net worth, net worth excluding the primary residence (SEC rule), liquid net worth, and a comparison with the 2022 SCF median and mean for your age group.
How to use Determine Net Worth Calculator
Enter Checking, savings and money market accounts, Certificates of deposit, Savings bonds, Bonds (held directly), Stocks (held directly, in brokerage accounts), Mutual funds and ETFs outside retirement accounts, Retirement accounts: 401(k), 403(b), IRA, TSP (current balance), Life insurance cash surrender value, Annuities, trusts and other managed assets, Other financial assets (money owed to you, etc.), Vehicles (trade-in or resale value), Primary residence (estimated market value, not equity), Other residential property (market value), Equity in nonresidential property, Business equity, Personal possessions and other assets (resale value), Mortgages and HELOC on the primary residence (principal balance), Debt on other residential property, Lines of credit not secured by property, Student loans (principal balance), Vehicle loans (principal balance), Other installment loans, Credit card balances, Other debts (bills due, money owed to people) and Age of the household reference person (for the SCF benchmark). The calculator checks the values, applies the stated method, and updates the result without saving your figures.
What the result means
The result includes Total assets, Of which financial assets, Of which nonfinancial assets, Total liabilities, Net worth, Primary residence equity, Net worth excluding primary residence (SEC rule), Liquid net worth (design choice), SCF 2022 median net worth for this age group, SCF 2022 mean net worth for this age group, Your net worth minus the median, Your net worth as a multiple of the median and Benchmark reading. Review the visible working and any warnings before using the answer for a decision.
Method and checks
The method cites Federal Reserve Board, "Changes in U.S. Family Finances from 2019 to 2022: Evidence from the Survey of Consumer Finances", Federal Reserve Bulletin, October 2023 - Tables 2, 3 and 4; FDIC, Money Smart for Adults, Module 10 "Building Your Financial Future" - net worth worksheet and the Justine example; U.S. Department of Labor EBSA, Savings Fitness worksheets - Balance Sheet to Calculate Net Worth, among others. Its 5 built-in worked examples are checked on every full test run. The initial answer and working are rendered on the server, so they remain readable without JavaScript.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
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