Total assets minus total liabilities.
We Are Calculator
Professional Financial Tools
8/25/2026
Used to benchmark you against Federal Reserve data for your age group. Nothing is transmitted or stored.
Set to 0 to see today's snapshot only.
Everything you add each year — 401(k) contributions, employer match, and cash savings.
Blended growth across all assets. A portfolio-only rate (7–10%) is too high here, because homes, cars and cash grow far slower.
Principal you repay each year across all debts.
Converts the projection into today's purchasing power. Set to 0 to see nominal dollars only. The Federal Reserve's long-run target is 2%.
Estimated 69th percentile among US households in the 35–39 age band, per the Federal Reserve's 2022 Survey of Consumer Finances.
The median US household aged 35–39 has a net worth of $138,588.
Cash and investments minus consumer debt — the part of your net worth you could access without selling property.
Property value minus mortgage and property-secured debt.
Above 2.0 is strong; below 1.0 means debts exceed assets.
Assumes $12,000/yr saved, 5.0% annual asset growth, and $18,000/yr of extra debt paydown. Nominal — not adjusted for inflation.
The same projection deflated by 2.5% annual inflation, so it is comparable to what money buys today. Over 10 years inflation erodes $224,688 of apparent gain.