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
1x annual salary (~NZ$60K)
Age 40
3x annual salary (~NZ$180K)
Age 50
6x annual salary (~NZ$360K)
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
NZ FIRE: (Annual expenses - NZ Super) x 25. NZ Super provides ~NZ$25K/year for a single person at 65.
TrackWorth supports NZD with automatic conversion for any Australian or international holdings.
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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