Four fields, one number, and where you stand against the French median for your age.
Your figures are never transmitted: the calculation runs on your device. Only anonymous audience measurement (page view, click) is recorded, with no amounts.
Fill in at least one field to see your net worth.
Your net worth
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Where you stand against the French median for your age.
Free, no card required, no connection to your bank accounts.
Calculating your net worth answers a single question: what would be left if you sold everything you own and repaid everything you owe? That remainder is your net worth. It differs from gross wealth, which adds up your assets without deducting loans — and which, on its own, says nothing about your real situation.
The formula fits on one line: net worth = assets − liabilities. The hard part is not the arithmetic, it is the inventory. People forget a life insurance policy opened ten years ago, count a flat at its purchase price rather than today's value, or use a loan's monthly payment instead of the outstanding capital. The calculator above avoids these mistakes by asking for the right figures in the right place.
Once you have the total, the next question comes on its own: is that a lot? The only honest comparison is with the median household of your age — not the average, which a few very large fortunes pull upward. Our article on wealth by age group explains how to read those figures without fooling yourself.
Main home, second home, rental property: use the price it would sell for today, not what you paid. Public transaction records give a reliable estimate from recent sales in your area.
Savings accounts, current accounts, life insurance, share plans, brokerage accounts, pension savings, crypto. Take the surrender value or today's price. A life insurance policy counts for what it is worth now, not what you paid in.
Vehicles, company shares, valuables. Many people leave them out for simplicity, and that is reasonable: they depreciate fast and weigh little. Include them only if they genuinely change the total.
Mortgage, car loan, consumer credit, overdraft. The figure to use is the capital still to be repaid, shown on your amortisation schedule — never the monthly payment, never the amount originally borrowed.
The orders of magnitude below come from INSEE's Household Wealth survey. They describe the middle household of each age group: half own less, half own more. These are the values the calculator compares your figure with.
| Age group | Median net worth |
|---|---|
| Under 30 | ~ €15,000 |
| 30 to 39 | ~ €85,000 |
| 40 to 49 | ~ €160,000 |
| 50 to 59 | ~ €210,000 |
| 60 to 69 | ~ €250,000 |
| 70 and over | ~ €175,000 |
Rounded figures. They hide wide gaps between owners and renters, between heirs and those starting from zero, between Paris and the regions.
The calculation only has value when repeated. A net worth of €60,000 growing by €10,000 a year tells a better story than €150,000 standing still. To go further, our step-by-step guide to calculating your net worth walks through each stage with a worked example, the debt ratio measures how much of your assets is financed by credit, and a full wealth review gives you a method to repeat the exercise every year.
Net worth only means something when tracked over time. With a free account you keep these figures, update them whenever you like, and watch the curve. Not decided yet? The demo shows the app with sample data.
Free, no card required, no connection to your bank accounts.
wealth managementCalculate your net worth in 4 steps: value your assets, list your debts, subtract, and see where you stand against the median for your age. Worked example and free calculator.
wealth managementWhat is net worth? How to calculate it, interpret it, and track it over time. The complete guide to understanding your financial health.
wealth managementAverage and median net worth by age bracket: the INSEE figures, why the average misleads, and how to benchmark yourself intelligently.
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Open the toolThe tax due when selling a property, by years held — and the year it fades out.
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