What you own
Bank balances, money market
Combine all retirement accounts
Estimated market value
Current resale value, not purchase price
Business equity, collectibles
What you owe
Personal loans, medical, HELOC
How net worth is calculated
Net worth = total assets − total liabilities. It's the cleanest single number for your financial position because it captures everything: cash, investments, real estate, and every debt you owe. Income is a flow; net worth is the score.
Use current market values, not what you paid. Your house is worth what it would sell for today. Your 401(k) is whatever the statement says this month. Cars depreciate — use Kelley Blue Book, not the loan balance.
Track it over time, not in one snapshot. A single net worth number tells you almost nothing. The slope — how it changes month over month — tells you everything about your financial trajectory.
U.S. median net worth by age
| Age bracket | Median net worth | Mean net worth |
|---|---|---|
| Under 35 | $39,000 | $183,500 |
| 35–44 | $135,300 | $549,600 |
| 45–54 | $246,700 | $975,800 |
| 55–64 | $364,500 | $1,566,900 |
| 65–74 | $410,000 | $1,794,600 |
| 75 or more | $334,700 | $1,624,100 |
Source: Federal Reserve Board, 2022 Survey of Consumer Finances (released October 2023).
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PeakWorth provides educational projections, not financial advice. We are not a registered investment advisor, broker-dealer, tax preparer, or attorney. Consult a licensed professional before making major financial decisions. Read full disclosures