Determine Net Worth Calculator

Formatting only. This does not change the calculation.
SCF row: Transaction accounts.
SCF row: Certificates of deposit.
SCF row: Savings bonds.
SCF row: Bonds.
SCF row: Stocks.
SCF row: Pooled investment funds.
Vested account balances as reported, before income tax. Defined-benefit pensions and Social Security are not counted (SCF treatment).
Cash value only; a term policy is 0.
SCF row: Other managed assets.
SCF row: Other financial.
SCF row: Vehicles.
What it would sell for today. Enter the mortgage separately below; entering equity here double-counts the loan.
SCF row: Other residential property.
Net of any debt on it; do not list that debt again below.
Net of business debts.
SCF row: Other nonfinancial.
SCF row: Debt secured by primary residence.
SCF row: Debt secured by other residential property.
SCF row: Lines of credit not secured by residential property.
SCF row: Installment loans - education.
SCF row: Installment loans - vehicle.
SCF row: Installment loans - other.
SCF row: Credit card balances.
SCF row: Other debt.
The SCF unit is the family, not the individual. Benchmarks are in 2022 dollars from the 2022 survey, the latest published.
Net worth
503,926.53
Net Worth Calculator
Total assets
877,062.06
Of which financial assets
355,862.06
Of which nonfinancial assets
521,200.00
Total liabilities
373,135.53
Primary residence equity
151,357.69
Net worth excluding primary residence (SEC rule)
352,568.84
Liquid net worth (design choice)
58,064.94
SCF 2022 median net worth for this age group
135,600
SCF 2022 mean net worth for this age group
549,600
Your net worth minus the median
368,326.53
Your net worth as a multiple of the median
3.72
Benchmark reading
Above the 2022 SCF median of $135,600 for families with a reference person aged 35 to 44 by $368326.53 (mean $549,600; figures in 2022 dollars).
Worked out from 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 and 3 other sources.
Enter the home and vehicles at full market or resale value and their loans separately; entering equity as the asset double-counts the debt.
Traditional 401(k) and IRA balances are before income tax; defined-benefit pensions and Social Security have no current value here (SCF treatment).
"Liquid net worth" is a design choice with no official definition; the SEC-style exclusion of the primary residence is the only variant with a regulatory source.
The benchmark is the 2022 Survey of Consumer Finances (family level, 2022 dollars), the latest published as of September 2026; the 2025 survey will supersede it.

How this is worked out

8 steps
  1. Financial assets = 355862.06; nonfinancial assets = 521200.00; total assets = 877062.06.
  2. Total liabilities = 373135.53.
  3. Net worth = 877062.06 - 373135.53 = 503926.53.
  4. Home equity = 485000.00 - 333642.31 = 151357.69.
  5. Excluding the primary residence (SEC rule) = 503926.53 - 485000.00 + min(333642.31, 485000.00) = 352568.84.
  6. Liquid net worth = liquid assets 97558.16 - debts not secured by the home 39493.22 = 58064.94.
  7. Benchmark (35 to 44, 2022 SCF): median 135600.00, mean 549600.00; difference from median = 368326.53.
  8. All lines were added as whole cents, so every total is exact.

Results are general information, not financial, tax, legal, medical or engineering advice.