🏦 Assets
💳 Liabilities
Total Net Worth
Financial Position Summary
A detailed list of your assets and liabilities and their impact on your net worth.
| Category | Amount | Type | Notes |
|---|---|---|---|
| 1 Cash & Savings | $20,000 | Liquid | Highly Liquid |
| 2 Brokerage Accounts | $50,000 | Invested | Market Volatile |
| 3 Real Estate | $300,000 | Fixed Asset | Illiquid |
| 4 Retirement Accounts | $40,000 | Tax-Advantaged | Long Term |
| 5 Mortgages | -$220,000 | Liability | Long Term Debt |
| 6 Other Debts | -$10,000 | Liability | Short/Med Term |
你的財務成績單
「淨資產」是衡量財務健康最重要的一個數字。它代表了你所有擁有的（資產）減去所有欠人的（負債）。📈 為什麼要追蹤淨資產？
* 大局觀：不僅看每月的收入，更看長期的財富累積。 * 資源配置：一眼看出你的資產是否過度集中在房地產或現金。 * 成長動力：看著資產從負轉正，或邁向第一個百萬，是極大的心理激勵。常見資產與負債
* 資產：現金存款、股票、基金、虛擬貨幣、房地產淨值、公司股權。 * 負債：房貸、車貸、信用卡卡債、學貸。常見問題 (FAQ)
Q: What is included in net worth?
A: Net worth = all assets minus all liabilities. Assets include: cash and savings, investment accounts (stocks, bonds, ETFs), retirement accounts (401k, IRA at current value), real estate equity (market value minus mortgage balance), business equity, and valuable personal property. Liabilities include: mortgage balances, auto loans, student loans, credit card debt, and personal loans. Use current market values for assets and outstanding balances for liabilities.
Q: What is a good net worth by age?
A: US median net worth by age: under 35: ~$39,000; 35–44: ~$135,000; 45–54: ~$247,000; 55–64: ~$364,000. These are medians—half of Americans in each bracket are above, half below. A common benchmark is the "wealth formula": Age × Annual Income ÷ 10. At age 40 earning $80,000, expected net worth = $320,000. Significantly above this makes you a "Prodigious Accumulator of Wealth." Focus on your personal trajectory more than peer comparisons.
Q: Should I include my car and personal belongings in net worth?
A: Your car can be included at its current market value (check Kelley Blue Book). However, many financial advisors suggest tracking net worth without depreciating personal items (cars, furniture, electronics) to focus attention on growing appreciating assets. If you include your car, deduct any outstanding loan balance. Don't include personal belongings unless they have significant resale value (jewelry, art, collectibles).
Q: How should I count my home in my net worth?
A: Include your home's equity: current estimated market value minus your outstanding mortgage balance. For market value, use recent comparable sales in your neighborhood (check Zillow, Redfin, or a CMA from a real estate agent). Your home is part of net worth, but it's not liquid wealth—you need somewhere to live. Many financial planners track "liquid net worth" separately: total net worth excluding primary residence equity.
情境範例
財務健康的最好成績單。這個計算機讓我一眼就能看出自己的資產負債狀況。
第一次看到淨資產變成正數時真的很感動，這是理財路上的一個重要里程碑。
在這裡追蹤我的淨資產非常有動力。它簡單、清晰，幫助我專注於我的長期目標。
一個快速了解財務狀況的實用工具。希望它能有歷史追蹤功能，但對於現狀評估來說很棒。
Official Sources & Authority References
重要免責聲明
本計算機提供之結果僅供參考，不構成稅務、法律或財務建議。稅法每年調整，請於申報前到 IRS.gov 核實數據，或談詢具資格的稅務專業人員。
