I-Calculator yexabiso elipheleleyo
Ukongeza iimpahla zakho uze ususe iindleko zakho ukuze ufumane ixabiso lakho elipheleleyo.
Iinketho ze projekti
Malunga nale Calculator
Your net worth is everything you own (assets) minus everything you owe (liabilities), and this net worth calculator totals both sides to give the bottom line. It adds your cash and savings, investments and retirement accounts, property value and other assets, then subtracts your mortgage, loans and credit-card debt.
The formula is simply total assets − total liabilities. For example, 10,000 in cash, 20,000 invested, a 300,000 home and 5,000 in other assets total 335,000; against a 200,000 mortgage, 15,000 in loans and 3,000 of card debt (218,000 in liabilities), net worth is 117,000. The number can be negative when debts outweigh what you own, which is common early in a mortgage or with student debt.
Use it as a single snapshot of financial health and, more usefully, track it over months and years — a rising net worth means you are building wealth faster than debt. Count only the current market value of assets and the remaining balance on each debt for an honest figure.
Imibuzo ebuza rhoqo
Ndiyibala njani ixabiso elipheleleyo?
Ubalo lwemali epheleleyo = iimpahla ezipheleleyo − iindleko ezipheleleyo. Yongeza into oyinayo (imali, urhwebo, ipropathi, izinto ezibalulekileyo) uze ususe into oyidingayo (i-mortgage, iindleko, i-card balances). I-effectiveness ingabi yinyani ukuba iindleko zingaphezulu kwezinto ezisebenzayo.
Yintoni ebalaseleyo njengento esebenzayo echaphazela umthwalo?
Iipropathi zizinto ezinomtsalane onokuzithengisa okanye uzisebenzise—iingxowa-mali, urhwebo, indlu, imoto. Iimali-mboleko ziimali-mboleko omele uzihlawule. Ubalo kuphela ixabiso elikhoyo lentengiso yepropathi kunye nemali-mboleko ehlala ikhona.
Ngaba kufuneka ndiquka indlu yam kwimali yam epheleleyo?
Ewe - ngenisa ixabiso layo elikhoyo kwimarike njengento esebenzayo netyala elikhoyo njengento ekufuneka ihlawulwe. Utshintsho luyimali yosapho lwakho, ehlala ibaluleke kakhulu kwinxalenye epheleleyo yexabiso elipheleleyo, ngoko ke isixhobo sihlula ezi zinto zimbini ngaphandle kokuzidibanisa ukuze uzive ukhuselekile.
Yintoni eyenza ukuba ixabiso lemali epheleleyo libe lilungileyo kubudala bam?
Akukho manani apheleleyo, kodwa ixabiso eliqhelekileyo likuba nemali epheleleyo elinganayo nemali ofumanayo ngonyaka xa uneminyaka engama-30 ubudala, kwaye iphindaphindwe kaninzi xa uneminyaka engama-50 ubudala. Kubalulekile ngakumbi kunanoma yiyiphi injongo ukuba ujonge itrendi- imali epheleleyo enyuka unyaka nonyaka.
Ingaba ubungakanani bemali epheleleyo buquka iakhawunti zokuphuma
Ewe. Iimali ezikwi-akhawunti ezinjenge-401(k), i-IRA okanye i-pension ziquka iimpahla ezityalo-maliweyo. Faka ixabiso labo elikhoyo; ukuba ukurhoxiswa kwemali kuza kuhlawuliswa ityala kamva, khumbula ukuba ixabiso emva kohlawula ityala oza kulisebenzisa liphantsi.
Kutheni le nto ixabiso lam elipheleleyo linegalelo?
Ubungakanani bemali obungenaxabiso lithetha ukuba iindleko zakho zingaphezulu kweempahla zakho, oku kuqhelekileyo emva kokuba uthathe ityala okanye ityala lokufunda. Xa uhlawula iindleko zakho kwaye iimpahla zakho zikhula, lo mfanekiso uhlala ubonakala ulungileyo ngexesha.
API — sebenzisa le calculator ukusuka kwikhowudi
Nceda le khadi lemali njengendawo esemva ye-JSON ekhululekileyo - akukho qhosha lifunekayo. Thumela amaxabiso endawo ezantsi njengeparameter yombuzo okanye i-JSON. Nantoni na oyenzayo isebenzisa okungagqibekanga okufanayo eli phepha ligqityiwe ngaphambili; iparameter engaziwayo yi 400, ayikho i zero ekhululekileyo. Funda i-API epheleleyo →
Incopho yesiphelo
GET https://calculator.free/api/v1/net-worth/curl
curl "https://calculator.free/api/v1/net-worth/?cash=10000&investments=20000&property=300000&mortgage=200000&loans=15000"JavaScript fetch()
const r = await fetch(
"https://calculator.free/api/v1/net-worth/?" + new URLSearchParams({
"cash": "10000",
"investments": "20000",
"property": "300000",
"mortgage": "200000",
"loans": "15000"
}));
const data = await r.json();
console.log(data.results);Results are estimates for general guidance only, not financial, medical or tax advice.