This What Is My Net Worth quiz helps you estimate your net worth in minutes and see your wealth score. You'll sort assets and debts, learn where you stand today, and get simple ideas to set goals; whether you're asking how much you're worth or wondering if you'll be a millionaire, you'll leave with clear next steps.
Approximately how much value do your investment accounts hold in total?
Under $5,000
$50,000 - $200,000
$5,000 - $50,000
Over $1,000,000
$200,000 - $1,000,000
How many months' worth of living expenses do you have in an emergency fund?
Less than 1 month
Over 12 months
3 - 6 months
1 - 3 months
6 - 12 months
What is the estimated equity in your primary residence?
Minimal or none
Over $500,000
Under $50,000
$200,000 - $500,000
$50,000 - $200,000
What is the total balance of your non-mortgage debt?
I have no non-mortgage debt
Over $50,000 owed
$20,000 - $50,000 owed
$5,000 - $20,000 owed
Under $5,000 owed
What percentage of your monthly income do you save or invest?
Over 35%
Under 5%
5% - 10%
20% - 35%
10% - 20%
How many distinct income sources do you have?
Four
Just one
Three
Five or more
Two
What is the approximate balance of your retirement accounts?
$200,000 - $1,000,000
Under $5,000
$5,000 - $50,000
$50,000 - $200,000
Over $1,000,000
How often do you review or update your net worth statement?
Quarterly
Once a year
Weekly or more
Monthly
Rarely or never
What portion of your investment portfolio is allocated to equities versus cash?
Mostly cash or equivalents
More equities than cash
Balanced 50/50
Nearly all equities
More cash than equities
Do you hold any real estate investments beyond your primary home?
Four or more properties
None
Two or three properties
Planning to acquire soon
One additional property
Have you created a comprehensive written financial plan?
Detailed plan with professional input
Basic budget only
Plan without formal review
Plan reviewed annually
No plan yet
Approximately what percentage of your income is discretionary spending?
10% - 20%
Over 50%
35% - 50%
Under 10%
20% - 35%
What is your current credit utilization ratio?
Over 80%
10% - 30%
30% - 50%
Under 10%
50% - 80%
Do you generate passive income from investments or businesses?
Less than 10% of income
Over 50% of income
None yet
25% - 50% of income
10% - 25% of income
How would you rate your overall financial literacy?
Basic
Advanced
Limited
Intermediate
Expert
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Wealth Amplifier
You've built significant equity, multiple income streams, and a healthy investment portfolio. You're goal-driven and continually educate yourself on advanced strategies. Now, you can explore tax optimization and legacy planning for long-term impact. Tip: Consult a financial advisor to design a tax-efficient wealth transfer plan.
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Foundation Strengthener
You've established savings and begun investing, creating a solid base for your financial journey. You understand the importance of emergency funds and are chipping away at high-interest debt. With more targeted goals, you can accelerate your progress. Tip: Automate transfers to retirement and investment accounts to ensure consistent contributions.
Momentum Builder
Your assets are growing, and you've diversified across savings, investments, and property. You review your net worth periodically and adjust strategies as needed. Focus on optimizing returns and minimizing fees to boost your trajectory. Tip: Rebalance your portfolio biannually to maintain your target asset allocation.
High Net Worth Visionary
You command a robust portfolio with diverse assets and substantial liquidity. You strategically leverage investments, property, and business interests for sustained growth. Your focus includes philanthropy, succession planning, and global opportunities. Tip: Engage estate planning and philanthropic experts to structure your legacy and maximize societal impact.
Emerging Asset Builder
You're in the early stages of wealth accumulation, laying groundwork for future growth. You may have minimal investments and are focused on reducing debt. With consistent habits, you'll see your net worth climb steadily. Tip: Track your expenses and allocate a fixed percentage of each paycheck to savings to build momentum.
Profiles
These outcome profiles reveal your current net worth tier and provide clear, professional tips to enhance your financial standing. Whether you're taking our free net worth quiz or exploring a personal net worth test, you'll learn where to focus next and how to boost your wealth.
Net Worth Newcomer -
You've just begun your journey in our free net worth quiz, showing fundamental asset tracking but room to grow. Focus on listing all assets and liabilities and set up a basic budget to move forward.
Asset Accumulator -
Your result from the calculate my net worth quiz shows steady progress in building assets and reducing debt. Prioritize diversifying your investments and automate savings to accelerate growth.
Wealth Amplifier -
With a strong showing on our net worth assessment quiz, you've established a solid financial base. Optimize tax-advantaged accounts and explore long-term growth strategies to amplify your wealth.
Freedom Financier -
Your personal net worth test places you on the path to financial independence with healthy cash reserves and investments. Expand passive income streams and refine your budget to reach freedom faster.
Legacy Luminary -
The what is my net worth quiz crowns you as a top achiever, with substantial assets and thoughtful debt management. Consider estate planning and philanthropy to secure your legacy and inspire others.
