Financial Planning & Net Worth
One number that tells you whether the whole plan is working.
Individual metrics mislead. A high income coexists with negative net worth; a modest salary with a high savings rate builds substantial wealth. Net worth and savings rate together are the two numbers that summarize whether a financial life is trending in the right direction.
These tools compute both, and place them in the context of where you are in life rather than against an abstract benchmark.
Tools
Financial Planning calculators
AI Financial Health Score
One score across six areas — emergency fund, debt, savings rate, investing, credit and cash flow.
Net Worth Calculator
One number that tells you whether the whole plan is working — plus what is actually spendable.
Most used here
Related goals
See how financial planning fits into the bigger picture.
Plan Retirement
Find the number, then find the date it becomes reachable.
Invest Better
Contribution rate, time and fees — in that order.
Save More Money
Build the cushion, automate the habit, and raise the yield.
Not sure where to start?
Describe your financial planning situation and the AI coach will point you to the right tool and walk through the trade-offs.
Financial Planning questions
How do I calculate my net worth?
Total everything you own — cash, investments, retirement accounts, home value, vehicles, business interests — then subtract everything you owe, including mortgage, student loans, car loans and credit card balances. The result is your net worth. Track it quarterly; the trend matters far more than any single reading.
What net worth should I have at my age?
One widely used benchmark targets one times your salary saved by 30, three times by 40, six times by 50 and eight times by 60. Treat these as rough orientation rather than a verdict. Career stage, student debt, family structure and geography move the realistic figure enormously, and someone who started late with a high savings rate catches up faster than the multiples imply.
Should I include my home in net worth?
Include it, using current market value minus the outstanding mortgage. But track investable net worth separately, since home equity cannot fund retirement spending unless you sell or borrow against it. Many people appear far wealthier on paper than their spendable assets support.
What savings rate should I target?
Fifteen percent of gross income including any employer match is the standard target for retiring in your mid-sixties. Reaching financial independence earlier requires substantially more — around 25% for a 30-year timeline, and above 50% to compress it under 20 years. Savings rate, not investment return, is the dominant variable in the first decade.