What is a good net worth for my age?
A widely cited benchmark (Fidelity) is (age × annual income) ÷ 2 by age 35, and 2× income by 40 — so a 35-year-old earning $80,000 would target about $160,000 including home equity minus debts. Benchmarks are guides, not grades: savings rate matters more than any single snapshot.
Example: age 35, $80,000 income → benchmark ≈ $160,000 net worth.
以下详细说明暂以英文提供。
What counts toward net worth
Net worth is everything you own minus everything you owe. Assets include bank balances, retirement and brokerage accounts, home and other property at market value, vehicles, and valuables. Liabilities include the mortgage, car loans, credit card balances, student debt, and anything else you owe. Leave out everyday checking float you consider spent, and be honest with values — the trend matters more than the total.
Reading the debt-to-asset ratio
This ratio divides what you owe by what you own. Under 30% suggests debts are a modest slice of your holdings; above 50% means more than half of everything you have is spoken for by creditors, which leaves little room for a shock. A rising ratio is not always bad — a fresh mortgage raises it while building an asset — but a falling ratio over the years is the usual sign of healthy progress.
中国本地参考
在中国大陆做财务换算时，以下框架值与美国默认值差异很大：
- 个人所得税: 工资薪金基本减除费用为 5,000 元/月（60,000 元/年），综合所得适用 3%–45% 七级超额累进税率（自 2019 年起施行）。
- 社保与公积金: 养老保险单位缴费 16%、个人 8%；住房公积金常见缴存比例为 5%–12%，由各城市确定上下限。
- 价签与增值税: 标价为含税价（一般纳税人增值税率 13%/9%/6%），结账时不额外加税，与美国小票加税习惯不同。
- 数字与单位: 使用公制单位（厘米、米、千克、升），温度为摄氏度；人民币符号 ¥，千分位用逗号、小数用点：12,345.67 元。
- 小费文化: 餐厅不付小费，部分场所收取服务费并已在账单中标明；无需按美式 15%–20% 计算。
数据核对：2026 年 10 月
常见问题
Should my home be included in net worth?
Yes, at its market value with the mortgage as a matching liability. Many people also track net worth excluding the home, since you have to live somewhere and home equity is hard to spend.
Can net worth be negative?
Yes — it simply means debts exceed assets. It is common early in a career or after a big purchase, and it becomes a problem only if the trend is not heading upward.