Net Worth Tracker

Track personal net worth by assets minus liabilities. Use as monthly/quarterly health check on financial direction. Cite official methodology in your communications — sources linked below.

How the Calculation Works

Net worth = Assets - Liabilities. The single most important wealth metric. Track monthly or quarterly to spot trends — rising net worth indicates positive financial trajectory regardless of income level. Use the same valuation method each period (Zillow estimate for home, market value for investments, depreciated value for vehicles).

Benchmarks and Use Cases

US net worth percentiles 2022 (Fed SCF): median household $192k; top 25% $660k+; top 10% $2.6M+; top 1% $11M+. Age 35: median $39k. Age 55: median $364k. Goal: net worth >= annual spending × 25 = FI threshold. Most US households reach top 25% by age 60+.

Common Mistakes and Limitations

Common mistakes: (1) Including cars as appreciation asset — vehicles lose value. Use depreciated value. (2) Forgetting to subtract taxes embedded in 401k — pre-tax 401k is worth ~75% of stated balance after federal+state. (3) Treating speculative crypto/NFTs at peak value. (4) Excluding non-financial value (paid-off home, healthy spouse, social capital) from broader life picture.

Last updated May 2026. Sources: Federal Reserve SCF, SEC Investor.gov.