Calculate your total net worth by adding up all your assets and subtracting your liabilities.
Net worth is the most comprehensive measure of your financial health. It's calculated as total assets minus total liabilities. A positive and growing net worth means you're building wealth; a negative net worth means you owe more than you own.
Under 35: ~$76,000 median. Ages 35–44: ~$136,000 median. Ages 45–54: ~$247,000 median. Ages 55–64: ~$364,000 median. Ages 65–74: ~$410,000 median. Median is more meaningful than average, as high-net-worth individuals skew averages significantly upward.
Increase assets by saving and investing consistently. Decrease liabilities by paying down high-interest debt. The gap between income and spending — your savings rate — is the most powerful lever for growing net worth over time.