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Kubera White Label

Net Worth Calculator: everything you own, minus everything you owe

Ten numbers, one honest total, and where it sits against people your age, from Federal Reserve data. It runs in your browser and stores nothing. When you want the number to stay current on its own, that's Kubera.

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Calculate your net worth

Round numbers are fine; nobody is checking. Type 850k or 1.2m if you like. Put the house in at what it would sell for this month, not what you paid, and the mortgage in full on the other side. The point is the total, and how long it took you to find the pieces.

What you own

Cash, checking, savings Stocks, funds, retirement accounts Crypto Home and other real estate, at what it would sell for Business, private investments, fund positions Vehicles, gold, collectibles, everything else

What you owe

Mortgages Student, car and personal loans Margin, HELOC, business debt Credit cards and everything else

Net worth$0

Assets$0

Debts$0

Liquid$0

Your age

Enter your age to see where this sits against US households in your age group.Federal Reserve, 2022 Survey of Consumer Finances. Percentile breakpoints as computed from the public microdata by DQYDJ. Household figures, in 2022 dollars; nothing you type here leaves your browser.

That number is stale by tomorrow. Kubera keeps it current, every day, from every account, and shows you the chart.Track it automatically

Kubera makes tracking your net worth fun. It's a uniquely well considered product. Thorough and flexible and deep in all the ways you want. And constantly getting better."

Eoghan McCabe
‍Founder & CEO @ Intercom

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Kubera makes tracking your net worth fun. It's a uniquely well considered product. Thorough and flexible and deep in all the ways you want. And constantly getting better."

Eoghan McCabe
Founder & CEO @ Intercom

See what people are saying

How to calculate net worth, and where people get it wrong

The formula is one line: everything you own minus everything you owe. The mistakes are all in the everything. Here is how to count each piece so the number means something, and so it means the same thing next year.

Count assets at what they would sell for, not what you paid

The house at this month's realistic sale price, less nothing (the mortgage goes on the other side). The car at what a dealer would give you, not the sticker. Private company stock at the last round if there was one, and at a conservative guess if there wasn't. Crypto at today's spot price, including what's staked or in DeFi. If you wouldn't accept the number from a buyer, don't accept it from yourself.

Include the accounts you forget

The 401(k) from two jobs ago. The HSA. The 529s. The vested stock options and RSUs. The cash-value life insurance. The loan you made to a relative that will, in fairness, probably come back. The domain names. Most people's first calculation is low because of what they left out, not because of what they overvalued.

Count every debt, including the ones secured by an asset

The mortgage, the HELOC, the margin loan, the car loan, the student loans, the credit card balance you pay off each month but haven't yet, the capital you've committed to a fund but not wired. A debt against an asset is still a debt; it just sits next to the thing it's secured by, which is exactly how Kubera shows it.

Total, then liquid, then adjusted

Total net worth includes the house you live in and the retirement accounts you can't touch until 59½. Liquid net worth strips out what you couldn't sell by Friday. Adjusted net worth goes further and takes the tax off the pre-tax accounts and the selling costs off the house. All three are useful; they answer different questions. Adjusted net worth, explained

Leave out what isn't yours yet

Income is not net worth; a high salary with nothing kept is a different thing from wealth, and the two drift apart over a career. An expected inheritance is not net worth. Unvested equity is a hope. Your net worth is what you could walk away with today, and the reason to calculate it that way is so that the chart over time is honest. How to lay it out as a personal balance sheet

Loving Kubera. I've been yearning for one financial dashboard-to-rule-them-all for 12yrs

Emily Binder
Founder @ WealthVoice & Beetle Moment

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Being in control of your personal finances feels amazing. Kubera is my fav way to track net worth

Austin Rief
Co Founder & CEO @MorningBrew

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Net worth by age in the United States

The median American household had a net worth of $192,900 in 2022; the average was $1,063,700, because averages are dragged up by the top. By age, the picture below is what the Federal Reserve's Survey of Consumer Finances shows. Read the median as "half of households are above this" and the average as "mostly noise". For the whole picture, including how US household wealth splits by education, race and home ownership, we keep a longer guide.

Age	Median	Top 10% starts at	Top 1% starts at
18–24	$10,222	$184,516	$653,224
25–29	$31,470	$296,830	$2,121,910
30–34	$88,631	$538,750	$2,636,882
35–39	$138,588	$864,340	$4,741,320
40–44	$134,382	$1,182,580	$7,835,420
45–49	$213,586	$1,428,714	$8,701,500
50–54	$266,140	$2,576,540	$13,231,940
55–59	$321,074	$2,672,160	$15,371,684
60–64	$392,860	$3,042,280	$17,869,960
65–69	$393,480	$2,961,060	$22,102,660
70–74	$438,700	$2,999,396	$18,761,580
75–79	$338,180	$2,914,188	$19,868,894
80+	$327,200	$2,540,500	$16,229,800

Household net worth in 2022 dollars. Source: Federal Reserve, 2022 Survey of Consumer Finances (released October 2023); the by-age breakpoints are computed from the public microdata by DQYDJ, and the calculator above uses the same series with the 25th and 75th percentiles added. The next survey covers 2025 and is due from the Fed in late 2026; we will update this table when it lands.

Where the number puts you

The labels the industry uses are about investable assets, not total net worth, so the house doesn't count. Mass affluent is roughly $100,000 to $1 million investable. High net worth starts at $1 million, very high net worth at $5 million, and ultra high net worth at $30 million, a group of about 225,000 people in the United States. The medians for each tier, and what changes as you cross them, are in our guide to net worth categories; the top of the ladder has its own page on what ultra high net worth means.

What to do with the number

One net worth figure is a photograph. The useful thing is the film: the same calculation, done the same way, every month for years. That is where a calculator stops and a tracker starts.

Recalculate the same way every time

The number only means something against the last one. Same categories, same valuation rules, same day of the month. If the house was in at sale price in March, it is in at sale price in April. Consistency beats precision, and tracking net worth over time is where the calculation starts paying for itself.

Watch the liquid line as closely as the total

Total net worth tells you how you are doing. Liquid net worth tells you what you can do about it: how long you could go without income, what you could invest tomorrow, whether the next opportunity needs a loan. Most people who feel rich on paper and poor at the bank are looking at the wrong line; it is common enough to have a name, high net worth, low income.

Or stop calculating and let it calculate itself

Kubera connects the banks, brokerages, exchanges and wallets, values the house by address and the car by model, holds the private stakes and the debts, and recalculates every day in any currency. You get the chart, the growth rate against the S&P 500, and a proof of wealth statement when someone asks for one. Read-only, $250 a year, no ads, and the first 14 days are free. The net worth tracker

The pieces you just gathered are the setup. Connect them once and never gather them again.Try for 14 days

Kubera has proved to be the best product we’ve found for expats — both those moving to the United States and Americans moving abroad — to manage their global investments and track them in the currency of their choice."

Keith Poniewaz, Ph.D.
Partner | Director of International Advisory Services @ Walkner Condon Financial Advisors

See what people are saying

Loving Kubera. I've been yearning for one financial dashboard-to-rule-them-all for 12yrs

Emily Binder
Founder @ WealthVoice & Beetle Moment

See what people are saying

Kubera makes tracking your net worth fun. It's a uniquely well considered product. Thorough and flexible and deep in all the ways you want. And constantly getting better."

Eoghan McCabe
Founder & CEO @ Intercom

See what people are saying

Questions people ask a net worth calculator

What is net worth?

Everything you own minus everything you owe, valued today. Assets are cash, investments, retirement accounts, property, businesses, crypto and anything else you could sell. Liabilities are mortgages, loans, margin, credit cards and other debts. The difference is your net worth; it can be negative, and for many people under 30 it is.

Does my house count towards net worth?

Yes, at what it would sell for today, with the mortgage counted in full as a debt. Your equity is the difference. Some people track a second figure without the primary home, because you have to live somewhere; that is liquid net worth, and the calculator shows it.

Do retirement accounts count?

Yes. A 401(k), IRA or pension with a cash value is an asset at today's balance. It is not liquid, and the pre-tax accounts carry a future tax bill, which is why adjusted net worth exists. Count them in the total; treat them separately when you think about what you can spend.

Should I calculate it for myself or for the household?

The Federal Reserve figures on this page are per household, so compare a household number to them. For your own planning, do it whichever way matches how you actually hold things. Couples with separate finances often keep two figures and a combined one.

Is a negative net worth bad?

It is common early on, when student loans and a first mortgage arrive before the assets do. The number that matters is the direction. A negative net worth that improves every year is a better sign than a positive one that is flat.

What is a good net worth at 30, 40 or 50?

In the 2022 Federal Reserve survey the median US household was at roughly $89,000 in the early thirties, $134,000 in the early forties and $266,000 in the early fifties, with the 90th percentile at about $539,000, $1.18 million and $2.58 million respectively. Enter your age above and the calculator places your figure against the full distribution.

How often should I recalculate?

Monthly is enough to see the trend and rare enough not to react to noise. Daily is what a tracker does for you, so you can look whenever you like and ignore it the rest of the time.

Is anything I type here stored?

No. The calculator runs entirely in your browser. Nothing is sent to Kubera or anyone else, and it is gone when you close the tab. If you want the number kept, and kept current, that is what the net worth tracker is for.

I've used tons of net worth tracking apps. Kubera is my favorite by FAR. I have zero affiliation. I'm pretty sure it's a tiny team. But they've been launching so many cool features and are moving fast.

Sam Parr
Co Founder @ Hampton

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Keith Poniewaz, Ph.D.
Partner | Director of International Advisory Services @ Walkner Condon Financial Advisors

Two Prices

Not based on wealth. Based on complexity.
A wealth manager charges 1%. On $25 million, that's $250,000 a year. We kept the 250 and dropped the zeros.

kubera

Essentials

Everything except what's listed under Black

$250/year

kubera

Black

For complex multi-entity wealth.
Kubera Black customers get the Essentials plus...

Ownership tags: tag assets by owner across people, trusts, and entities. Details
Nested Portfolios: independent portfolios per person, trust, or entity, track money flowing between them and granular access control. Details
Guided Onboarding: get help fine-tuning your setup.
VIP Support: priority Email support and 1:1 Zoom calls

$2500/year

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Try the fully loaded version.
Choose the subscription plan after the trial.

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Kubera is the home of my financial life. I've been using it for years now & it's my goto dashboard

Kevin Rose
Partner @ True Ventures

See what people are saying

Kubera is the home of my financial life. I've been using it for years now & it's my goto dashboard.

Kevin Rose
Partner @ True Ventures

See what people are saying