Enter your assets and liabilities to get your net worth, financial health score, age benchmarks, percentile ranking, and 20-year projection, in any currency.
Your exact net worth today matters less than the direction it's moving. A negative net worth trending upward month after month (debt shrinking, savings growing) tells a better story than a stagnant positive number. Track it on the same day every month. Over time the trend line becomes the most motivating financial data point you have, and the habit of measuring keeps you honest about the decisions that move it.
Net worth is the single most important number in personal finance: total assets minus total liabilities. It tells you exactly where you stand financially, not how much you earn, but how much you’ve actually accumulated. A $200,000 income means nothing if you’ve spent every dollar. A $50,000 income with disciplined savings and investing can produce a million-dollar net worth over a career.
Tracking net worth quarterly provides earlier warning of financial problems than any other metric. Income growing while net worth is flat or declining means you’re consuming future wealth today, a pattern that compounds into crisis over a decade. Conversely, steady net worth growth confirms your financial strategy is working regardless of short-term income fluctuations.
| Age group | Median net worth | Mean net worth | What the gap means |
|---|---|---|---|
| Under 35 | $39,000 | $183,000 | Wealth concentration is extreme, a few high earners pull the mean far above median |
| 35–44 | $135,000 | $549,000 | Home equity and retirement accounts begin compounding meaningfully |
| 45–54 | $247,000 | $975,000 | Peak earning years, median accelerates as mortgages amortize |
| 55–64 | $365,000 | $1,566,000 | Pre-retirement accumulation; retirement accounts near or at maximum |
| 65–74 | $410,000 | $1,794,000 | Home often fully paid; Social Security and RMDs begin |
| 75+ | $335,000 | $1,624,000 | Drawdown phase, median declines as assets are consumed |
Assets include anything with market value you could convert to cash: checking and savings accounts, investment accounts, retirement accounts (at current value, not future projections), real estate at current market value, vehicles at current resale value, and business equity. Don’t include future income, pension promises you haven’t earned, or potential inheritances: only current tangible value.
Homeownership functions as a forced savings mechanism through mortgage amortization, every payment converts debt into equity. A $300,000 mortgage at 7% for 30 years pays down approximately $4,800 in principal in year one, accelerating to $8,000+ by year five. Combined with historical appreciation averaging 3–4% annually, homeownership in a sustainable market reliably builds net worth. The critical caveat: buying at a price-to-income ratio above 4–5x strains the budget and prevents the savings and investing that build net worth across all categories simultaneously.
| Debt-to-asset ratio | Interpretation | Priority |
|---|---|---|
| Under 25% | Excellent, you own far more than you owe | Invest aggressively |
| 25–50% | Good, typical for homeowners with mortgages | Maintain momentum |
| 50–75% | Fair, debt load is significant | Accelerate paydown |
| Over 75% | High risk, liabilities approach asset value | Debt emergency protocol |
Track assets and liabilities to calculate and grow your net worth
View on Amazon →Robert Kiyosaki's foundational book on assets, liabilities, and building wealth
View on Amazon →Principles for accelerating net worth growth at any income level
View on Amazon →