# Net worth calculator with US household comparison documentation

Inputs, formulas, assumptions and API/MCP examples for the net worth calculator with us household comparison. Reproduce a calculation and cite its sources.

Canonical calculator: https://klarfort.com/tools/net-worth-calculator/
Content updated: 2026-09-07
Assumptions reviewed: 2026-09-07

## Overview
Build a net-worth snapshot by adding what you own and subtracting outstanding debts. Enter asset and liability items in one currency to see totals, net worth and debt as a share of assets.

An optional US household comparison uses derived thresholds from the 2022 Survey of Consumer Finances. That comparison requires household amounts expressed in 2022 US dollars and can be grouped by the reference person's age.

## How to use
1. Choose the currency and add asset items with their current estimated values.
2. Add outstanding liability balances as separate positive amounts, rather than subtracting them from asset values.
3. For the optional US comparison, use household amounts in 2022 US dollars and choose the relevant age group.
4. Calculate to review total assets, liabilities, net worth and any available approximate survey comparison.

## Understanding the result
Positive net worth means the entered assets exceed liabilities. Negative net worth means the entered debts are larger. Debt-to-assets is unavailable when total assets are zero.

The optional percentile is an estimate between survey-derived thresholds, not an official personal rank. Results outside the 1st to 99th percentile range are shown as bounds.

## Questions
### How is a mortgaged home entered under assets and debts?
Enter the home's full estimated value as an asset and its outstanding mortgage as a liability. Entering only home equity and also subtracting the mortgage would count the debt twice.

### Can I compare today's net worth directly with the US survey?
The comparison requires 2022 US dollars. The calculator does not automatically adjust current values for inflation or convert another currency. Household scope and the survey's exclusions also matter.

### What does the survey comparison exclude?
The SCF net-worth measure excludes defined-benefit pension and Social Security rights. The comparison is for households, uses the selected reference-person age group and remains an approximation derived from the public survey.

## Default worked example
Net worth: 200,000 USD. Assets minus outstanding liabilities, using the values you entered. Assumptions as of 2026-09-07.

## Formula
Net worth = total assets − total liabilities. Percentile thresholds average separately weighted quantiles from five SCF implicates.

- Enter all assets and liabilities in the same currency.
- US comparison applies only to households and 2022 USD values. It estimates position between published-data-derived thresholds; it does not establish an official rank.
- Defined-benefit pensions and Social Security rights are excluded from the SCF net-worth measure.

## Inputs
- currency: All entered amounts use this currency. No automatic currency conversion.; default "USD"
- assets: Values of the assets you own, all in the selected currency. For the US survey comparison use household values in 2022 US dollars.; default [{"name":"Cash and investments","amount":100000},{"name":"Property","amount":200000}]
- liabilities: Outstanding balances, all in the selected currency.; default [{"name":"Mortgage and loans","amount":100000}]
- compareUS: Only for USD household values expressed in 2022 dollars, using SCF 2022. It is not a current worldwide ranking.; default false
- ageGroup: Groups use the age of the SCF household reference person, not each household member.; default "all"

## Interfaces
Input schema: https://klarfort.com/tools/net-worth-calculator/schema.json
Worked request and response: https://klarfort.com/tools/net-worth-calculator/examples.json
Public table: https://klarfort.com/tools/net-worth-calculator/table.json
JSON API: POST https://klarfort.com/tools/api/v1/net-worth-calculator
MCP endpoint: POST https://klarfort.com/tools/mcp
MCP tool name: net-worth-calculator

## JSON request body
```json
{
  "currency": "USD",
  "assets": [
    {
      "name": "Cash and investments",
      "amount": 100000
    },
    {
      "name": "Property",
      "amount": 200000
    }
  ],
  "liabilities": [
    {
      "name": "Mortgage and loans",
      "amount": 100000
    }
  ],
  "compareUS": false,
  "ageGroup": "all"
}
```

## Usage and credit
Free for personal, commercial and any other lawful use with credit to KlarFort at https://klarfort.com/. Third-party data terms still apply.

Computed with KlarFort Calculators, https://klarfort.com/

Place a visible credit near the reused material or in the credits for your work or integration. One clear credit per work or integration is sufficient; no separate credit per API request is required. The credit_url field contains the homepage. The citation_url field is an optional calculator reference. Full permission: https://klarfort.com/tools/docs/license/

## Sources
Board of Governors of the Federal Reserve System, Survey of Consumer Finances 2022: https://www.federalreserve.gov/econres/scfindex.htm (2022; extract revised 2024-04-03)