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.