Net Wealth Tracker
One number that tells you if you're actually getting ahead.
You can't fix a number you've never measured. Most people can tell you their checking balance to the dollar and have no idea whether the last twelve months moved them forward or backward.
What net wealth actually looks like
Under 35
Median household net worth
Ages 35–44
Median household net worth
Ages 45–54
Median household net worth
Ages 55–64
Median household net worth
Federal Reserve, 2022 Survey of Consumer Finances — the most recent data available. These are medians, not averages. The average is roughly five times higher because the wealthiest households pull it up.
And here's the part most personal finance content skips: more than half of American adults say they don't know how to calculate their net worth at all, and 31% report a net worth of zero or less — their debts match or exceed everything they own.
Source: Credit Karma / Qualtrics survey of U.S. adults.
What you get
- A 12-month view of everything you own and owe. Type in balances once a month. Every subtotal, total, and change calculates itself.
- A dashboard that shows the trend. Where you stand, how far you've come, your debt-to-asset ratio, and a chart of your net wealth over time.
- Your paycheck vs. your money. Enter your take-home pay and see what share of it your wealth replaced this month — in dollars and in work days you didn't have to trade for.
- A filled-in example. A full year from someone starting at $1,300, with a card paid off in month 8 and that payment redirected to investing and debt.
- Works in Excel or Google Sheets. Nothing to set up.
Where should we send it?
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