Wealth Calculator

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.

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.

High assets, low debt. Debt-to-asset < 20% is strong. > 50% means overleveraged. Optimal depends on interest rates (low rates, more leverage acceptable).