Net Worth Tracker
Log your assets and liabilities each month and watch your net worth grow over time. All data saves locally to your browser — nothing sent to any server. Track wealth without spreadsheets or accounts.
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What Is Net Worth?
Your net worth is the difference between everything you own (assets) and everything you owe (liabilities). It is the single best one-number measure of personal financial health — far more meaningful than income or savings rate alone. According to the Federal Reserve's 2022 Survey of Consumer Finances, the median US household net worth was $192,700, while the mean was $1.06M — showing how skewed wealth distribution is.
Why Track Net Worth Monthly?
Monthly tracking turns a vague feeling about money into hard data. Three benefits backed by research:
- Behavioral feedback loop. CFPB consumer studies show people who track wealth save 15–20% more per year than those who don't.
- Catches lifestyle creep. If income rises but net worth flattens, you have a spending leak that monthly tracking exposes within 2–3 cycles.
- Compounding visualization. The first $100K is brutal — the second comes faster, the third faster still. Monthly snapshots make compounding visible and motivating.
What Counts as an Asset vs Liability?
Assets: cash and checking, savings, brokerage and retirement accounts (401k, IRA, ISA, RRSP), home equity (market value), vehicles (resale value), HSA, crypto, valuable collectibles. Liabilities: credit card balances, student loans, mortgage outstanding, auto loans, personal loans, HELOC, tax owed, family loans. List everything — small balances add up.
Net Worth Benchmarks by Age
Per Federal Reserve SCF 2022 data, US median net worth by age: under 35 → $39K, 35–44 → $135K, 45–54 → $247K, 55–64 → $364K, 65–74 → $410K. The Millionaire Next Door rule of thumb: Expected Net Worth = Age × Pretax Income ÷ 10. If your actual is above this, you are an "above-average accumulator."
Sources: Federal Reserve Survey of Consumer Finances 2022 (federalreserve.gov), Consumer Financial Protection Bureau (consumerfinance.gov), Bureau of Economic Analysis (bea.gov). Last updated 2026-05.
Frequently Asked Questions
Is my data private?
Yes. Everything saves to your browser only (localStorage). No account, no server upload, no analytics on your numbers. Clearing browser data deletes your history — export to CSV first.
How is net worth calculated?
Net worth = Total Assets − Total Liabilities. Assets include cash, investments, real estate equity, and vehicles. Liabilities include all debts: mortgage, loans, credit cards.
Should I include my home in net worth?
Yes, but use current market value (Zillow, Redfin estimate) and subtract mortgage as a liability. The home equity = market value − mortgage outstanding. Some people exclude home for "investable net worth."
How often should I update my net worth?
Monthly is the standard cadence. It is frequent enough to catch trends but not so frequent that market noise distracts from progress. The first weekend of each month works well.
Whats a good net worth for my age?
Per Federal Reserve SCF 2022, US median by age: under 35 → $39K, 35–44 → $135K, 45–54 → $247K, 55–64 → $364K. The "Expected Net Worth" rule: Age × Income ÷ 10. Above that = above-average accumulator.
Can I track in a different currency?
Yes — pick from USD, EUR, GBP, CAD, AUD, SGD, INR, or JPY. The currency is saved per snapshot so you can review historical entries in their original currency.