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This calculator gives estimates only, for general education — it isn't financial advice. The "real net worth" adjustment uses a tax rate you control, since your real future rate depends on your total income when you actually withdraw. Benchmark figures come from historical government surveys (US: Federal Reserve, 2022; Canada: Statistics Canada, 2023) and aren't updated in real time.
Free, with no data collection, as part of a community financial literacy project.
Everything you own, minus everything you owe — plus the one adjustment most net worth calculators skip.
🔒 100% Private — nothing you type here is stored, sent, or tracked.
Used only to show how you compare to typical households your age — nothing else.
This is lower than your current tax rate on purpose — retirement withdrawals come out gradually over 20-30 years, filling up lower brackets each year, not all at once.
💰 What You Own (Assets)
💳 What You Owe (Liabilities)