Wealth ஐ எப்படி கணக்கிடுவது
Wealth என்றால் என்ன?
A wealth building calculator projects net worth growth from consistent saving and investing. Compound interest causes exponential growth — time in market is the most powerful variable.
சூத்திரம்
Net worth = Total assets − Total liabilities; Wealth growth = (Savings + Investment returns + Appreciation) − Taxes − Expenses
- Assets
- Cash, investments, real estate, vehicles (Currency)
- Liabilities
- Mortgages, loans, credit card debt (Currency)
- NetWorth
- Assets − Liabilities (Currency)
படிப்படியான வழிகாட்டி
- 1Monthly balance = Previous × (1 + rate/12) + contribution
- 27% annual return is a common long-run assumption
- 3Higher savings rate dramatically accelerates wealth
- 4Tax-advantaged accounts (ISA, 401k) amplify growth
தீர்க்கப்பட்ட எடுத்துக்காட்டுகள்
உள்ளீடு
$1,000/month, 7% return, 30 years
முடிவு
Total invested $360k; Value ~$1.22M
அடிக்கடி கேட்கப்படும் கேள்விகள்
Should I count my home in net worth?
Yes, at fair market value. But realize it's illiquid—can't quickly convert to cash. For financial planning, separate liquid net worth (liquid assets − debt) separately.
How fast should net worth grow?
Depends on age/income. Typical: 10–20% annually in accumulation years (age 25–55). Slow down 55–70 (shift to stability). Target: 25–30x annual expenses by retirement.
What's a healthy asset / liability ratio?
High assets, low debt. Debt-to-asset < 20% is strong. > 50% means overleveraged. Optimal depends on interest rates (low rates, more leverage acceptable).
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