The survey
The Survey of Consumer Finances is normally a triennial cross-sectional survey of U.S. families. It collects data on balance sheets, pensions, income and demographic characteristics. The 2025 survey is the most recent.
The definition
In the survey's reports, net worth is the difference between families' assets and liabilities. The calculator uses the same subtraction.
Financial assets
Transaction accounts, certificates of deposit, savings bonds, other bonds, stocks, pooled investment funds, retirement accounts, cash value life insurance and other managed assets. In the calculator these go under cash, taxable investments, retirement accounts and other assets.
Other assets
Your home, other real estate and vehicles are not financial assets, but they carry a value. Enter one you can explain, such as an appraisal or recent comparable sales.
Debts
Mortgages and home equity lines, auto loans, student loans, credit card balances and anything else you owe. Use the balance on your latest statement.
What the calculator leaves out
It does not compare your figures with survey results. A comparison with other households would need its own method and source, and the calculator has neither.