Wealth Calculator

Net Worth Calculator — See Today's Number AND Your Future Wealth

Most net worth calculators give you a snapshot. PeakWorth™ shows you the full 30–60 year arc — including the exact year you'll hit your peak.

Calculate your live Net Worth + PeakWorth + FI Age in 2 minutes Browse all calculators

Key facts

Median US household net worth

$192,700

Top 10% threshold

~$1.94M

Net worth =

Assets − Liabilities

Most common mistake

Excluding retirement accounts

The Real Calculator

Run YOUR numbers in PeakWorth™ Quick Start

Enter age, income, savings, and goals — get a full Net Worth, PeakWorth, and FI Age projection in 2 minutes. No signup, no credit card, no email required.

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What is net worth — and what's PeakWorth?

Net worth is the simplest scoreboard in personal finance: the value of everything you own (cash, investments, retirement accounts, home equity, vehicles) minus everything you owe (mortgage, student loans, credit cards, auto loans). That single number tells you whether you're moving forward or backward.

PeakWorth is what we call your highest projected lifetime net worth — usually somewhere between ages 65 and 75 — based on your real income, savings rate, investment returns, and spending plan. It's a far more useful number than today's snapshot because it answers: 'Am I building enough?'

How to calculate net worth correctly

Add every asset at fair market value: cash and bank balances, taxable brokerage, 401(k)/IRA/Roth balances, HSA, real estate equity (current value minus loan balance), vehicles (Kelley Blue Book), and meaningful private holdings. Then subtract every liability: mortgage, HELOC/HELOAN, student loans, auto loans, credit cards, personal loans.

Two common errors: forgetting retirement accounts (they often double your number for people over 35) and overstating vehicle values (they depreciate ~15% the first year, then ~10% per year).

Why a snapshot isn't enough

Today's net worth doesn't tell you whether you're on track. Two people with $250K net worth at age 40 can have wildly different futures: one with 15% savings rate ends up at $4.2M PeakWorth, the other at 5% ends up at $1.1M. Same starting line, very different finish.

That's why PeakWorth's quick-start runs a full lifetime simulation — taking your inputs and projecting net worth every year through age 95.

Personalized to YOU

Plug this into YOUR PeakWorth™ and see the FI Age impact

A calculator alone tells you the payment. PeakWorth tells you what that payment costs your retirement — and how every change ripples through the next 30 years of your finances.

Run it through PeakWorth

Frequently asked questions

Is my home equity part of my net worth?

Yes — current market value minus the mortgage balance. Don't include estimated commissions or selling costs unless you're imminently selling.

Should I include 401(k) and IRA balances?

Absolutely. Use current balances (pre-tax for traditional, post-tax for Roth). Net worth uses face value; tax adjustments come into play in retirement modeling.

What is a good net worth by age?

Rough rule of thumb: 1× income at 30, 3× at 40, 6× at 50, 8× at 60. But income, location, and goals matter far more than benchmarks.

How is PeakWorth different from net worth?

Net worth is today; PeakWorth is your projected lifetime maximum. PeakWorth answers: 'How much wealth will I actually accumulate?'

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Overview

What is PeakWorth?

The financial decision engine for households — explained in 90 seconds.

Benchmarks

Net worth by age

2026 benchmarks + where you'll actually peak.

Benchmarks

How much to have saved by age

Why the standard 1×/3×/6× rules fall short.

Built for

PeakWorth for HENRYs

High earners, not rich yet — convert income into actual wealth.

Stop calculating in isolation. Start modeling your real financial life.

PeakWorth includes every loan calculator above — connected to your real income, expenses, and goals. Every number you change updates your live FI Age and lifetime projection.

Run it through PeakWorth Browse decision guides