Net Worth Calculator
Net worth — what you own minus what you owe — is the single best measure of financial health. Here is how to think about it and roughly where different ages stand.
How to calculate your net worth
Add up all your assets (cash, investments, retirement savings, property, vehicles) and subtract all your debts (bond, car finance, credit cards, loans). The result is your net worth. It can be negative early in life — that is normal.
Try it with your own numbers:
Calculate your net worth →A simple benchmark
One rule of thumb: your target net worth equals your age times your annual income, divided by ten. So a 40-year-old earning R400,000 would target around R1.6 million. It is a rough guide, not a verdict.
| Age | Earning R400k/yr | Target net worth |
|---|---|---|
| 30 | R400,000 | ~R1.2m |
| 40 | R400,000 | ~R1.6m |
| 50 | R400,000 | ~R2m |
What matters more than the number
Direction beats position. A growing net worth, tracked over time, is the clearest sign you are on the right path. Calculate yours today with the net worth calculator, then check your overall health with the financial coach.