Net Worth Benchmarks by Age
These are general guidelines based on saving approximately 15-20% of income consistently. Your actual target depends on your income, expenses, and financial goals.
Age 30
3-5x annual salary
Age 40
8-12x annual salary
Age 50
15-20x annual salary
Remember: your net worth trend over time matters more than any single benchmark. Track monthly and focus on consistent progress.
Tax-Advantaged Accounts to Track
Common Assets to Include
Your net worth includes everything you own with monetary value. Make sure to track these:
FIRE Number Calculation
Indian FIRE: Annual expenses x 30-35 (higher multiplier due to inflation at 6-7%). Factor in healthcare costs which rise sharply with age.
NRIs: use TrackWorth to track assets across India and abroad in different currencies. Convert everything to INR or USD for a consolidated view.
How to Start Tracking in 3 Steps
Add your assets
Bank accounts, investments, property, crypto, retirement accounts. Enter current values in any currency.
Add your liabilities
Mortgage, car loan, student debt, credit cards. Use the outstanding balance, not the original amount.
Track monthly
Take a snapshot each month. TrackWorth builds your net worth chart automatically so you can see the trend.
Start tracking your net worth today
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