I-Calculator ye-Net Worth
Yongeza izimpahla zakho bese ususa izibopho zakho ukuze uthole izimali zakho eziphelele.
Iziphetho zivuselelwa uma ubhala.
Malunga nale khadi
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 ebuzwa kaningi
Ngiyibala kanjani imali engenayo?
Imali encane = izimali eziphelele − izimali eziphelele ezikhokhwayo. Yongeza okukhona kuwe (imali, utshalomali, ikhaya, izinto ezibalulekile) bese ususa okukhona okudingayo (i-mortgage, izibopho, izibalo zekhadi). Imiphumela ingabi yikho uma izimali ezikhokhwayo zingaphezu kwezimali ezikhokhwayo.
Yini ebalwa njengempahla versus izindleko?
Ama-assets yizinto ezinomthelela ongathengisa noma usebenzise kuzo — ukutshala imali, ukutshala imali, indlu, imoto. Ama-liabilities yimali oyidingayo ukukhokha. Qalisa kuphela inani lemakethe lamanje le-assets kanye nenani elisele lemali oyidingayo.
Ingabe kufanele ngihlanganise indlu yami emali yami encane?
Yebo — faka inani layo lamanje lemakethe njengempahla kanye ne-hypotheque ekhona njengemali ekhokhwayo. Ushintsho luyimali yakho yasekhaya, evame ukuba yingxenye enkulu yemali ekhokhwayo, ngakho-ke ithuluzi lihlukanisa lezi ezimbili endaweni yokuzibeka ngokugcwele kuwe.
Yini efanele izimali ezincane ezifanele ubudala bam?
Akukho inombolo ebanzi, kodwa isilinganiso esijwayelekile ukuthi ube nemali engenayo elinganayo nemali yakho yonyaka ngo-30s yakho kanye nezikhathi eziningi nge-50s yakho. Kubalulekile kunanoma iyiphi injongo ukuthi i trend - imali engenayo ephakeme ngonyaka ngenyaka.
Ingabe izimali ezingenalutho zifaka ama-akhawunti okuphuma emisebenzini?
Yebo. Izibalo ezikhona eziku-akhawuntini ezifana ne-401(k), i-IRA noma i-pension zibhekwa njengezinto ezitshalayo. Faka inani labo lamanje; uma ukukhishwa kuzoba nethonya ngemuva, khumbula ukuthi inani ngemuva kwethonya ongalisebenzisa liphansi.
Kungani i-net worth yami iyisici esibi?
Umphumela o Negative net worth isho ukuthi izimali zakho zidlula izimpahla zakho, okujwayelekile ngokushesha ngemuva kokuthatha i-hypothek noma izimali zomfundi. Uma ukhokha izimali zakho futhi izimpahla zikhula, isithombe sivame ukushintsha ibe ngcono ngesikhathi.
API — sebenzisa le calculator kusuka kukhodi
Nquma le calculator njenge JSON evulekile yendawo yokuqeda - akukho isithonjana esidingekayo. Thumela amaxabiso endawo ngezansi njengezilungiselelo zombuzo noma i-JSON. Noma yini ongayishiya isebenzisa iphutha elifanayo elifakwe ngaphambili lekhasi; ipharamitha engaziwa yi-400, ayikho i-zero emnyama. Funda i-API egcwele →
Ingxenye yendawo
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);Izibalo ziyisilinganiso esisetshenziswa ukuqondisa kuphela, hhayi ukucebisa ngezimali, ukwelashwa noma ukukhokha.