Net Worth Calculator 2026
Calculate your net worth by adding up everything you own and subtracting everything you owe. Track milestones and get personalized recommendations.
Net Worth Formula
Liabilities (What You Owe)
Understanding Net Worth
| Age | Target (× Salary) | @ $50K Salary | @ $75K Salary | @ $100K Salary |
|---|---|---|---|---|
| 25 | 0.5× | $25,000 | $37,500 | $50,000 |
| 30 | 1× | $50,000 | $75,000 | $100,000 |
| 35 | 2× | $100,000 | $150,000 | $200,000 |
| 40 | 3× | $150,000 | $225,000 | $300,000 |
| 45 | 4× | $200,000 | $300,000 | $400,000 |
| 50 | 5× | $250,000 | $375,000 | $500,000 |
| 55 | 7× | $350,000 | $525,000 | $700,000 |
| 60 | 8× | $400,000 | $600,000 | $800,000 |
| 65 | 10× | $500,000 | $750,000 | $1,000,000 |
These are guidelines, not hard rules. Your situation may vary based on location, career, and personal goals.
Pay Off High-Interest Debt
Credit card debt (15-25% APR) erodes wealth. Pay it off first to stop the bleeding.
Maximize Retirement Contributions
401(k) match is free money. Aim for 15% of income toward retirement.
Build Emergency Fund
3-6 months expenses prevents debt when emergencies hit.
Invest Consistently
Index funds with dollar-cost averaging outperforms most strategies long-term.
Avoid Lifestyle Inflation
When income rises, save the difference instead of spending it.
Track Monthly
What gets measured gets managed. Update your net worth every month.
Frequently Asked Questions
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Last updated: 2026-01-25 • Based on Federal Reserve SCF data • Used by 45,000+ wealth trackers monthly