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Net Worth Calculator
Track your assets and liabilities to calculate your net worth and financial health
Net Worth
$341,500
Total assets - liabilities
Total Assets
$701,000
All owned assets
Total Liabilities
$359,500
All debts owed
Financial Health
C
65/100 score
Assets
Liquid Assets ($38,500)
Investment Assets ($172,500)
Real Estate ($450,000)
Other Assets ($40,000)
Liabilities
Secured Debt ($338,000)
Unsecured Debt ($21,500)
Demographics
Financial Ratios
Debt-to-Asset: 51.3%
Debt-to-Income: 422.9%
Liquidity Ratio: 1.8
Investment %: 24.6%
Analysis & Benchmarks
Net Worth Breakdown
Liquid Net Worth: $17,000
Investment Net Worth: $172,500
Home Equity: $130,000
Total Net Worth: $341,500
Age 30-39 Benchmarks
Median Net Worth: $45,000
75th Percentile: $170,000
90th Percentile: $400,000
Target by Age: $85,000
💪 You're in the top 25% for your age
Financial Health: Grade C
65/100 points
Strengths:
- • Above-average net worth for your age
- • Exceptional savings rate
Areas for Improvement:
- • Consider reducing debt levels
- • Build larger emergency fund
- • Increase retirement and investment savings
Net Worth Projections
5-Year Projection: $561,358
10-Year Projection: $862,632
Assumptions:
- • 7.0% annual investment return
- • 3.0% annual real estate appreciation
- • 2.5% annual inflation
- • 15% savings rate maintained
💡 Next Steps
- • Build emergency fund to 3-6 months of expenses
- • Increase retirement and investment contributions
- • Focus on debt reduction to improve net worth
- • Review and rebalance investment portfolio
- • Consider tax-advantaged accounts to maximize growth
Net Worth Building Guide
Building Assets
- • Maximize employer 401(k) match
- • Contribute to Roth IRA for tax-free growth
- • Build emergency fund in high-yield savings
- • Invest in low-cost index funds
- • Consider real estate for diversification
Managing Liabilities
- • Pay off high-interest credit card debt first
- • Consider refinancing loans at lower rates
- • Make extra principal payments on mortgage
- • Avoid lifestyle inflation as income grows
- • Use debt strategically for wealth building