IMPORTANT DISCLAIMER: Blank Capital Research ("BCR") is a technology platform, not a registered investment advisor or broker-dealer. The algorithmically generated signals, scores, and rankings provided on this site ("God Mode" Signals) are for informational and research purposes only and do not constitute financial advice, investment recommendations, or an offer to sell or solicit an offer to buy any securities.
HYPOTHETICAL PERFORMANCE RESULTS: The "timing scores" and "regime signals" displayed are based on quantitative models. Hypothetical or simulated performance results have certain inherent limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not actually been executed, the results may have under-or-over compensated for the impact, if any, of certain market factors, such as lack of liquidity.
RISK OF LOSS: Trading in financial markets involves a high degree of risk and may result in the loss of your entire investment. Data provided by third-party sources (Intrinio, Snowflake) is believed to be reliable but is not guaranteed for accuracy or completeness. Past performance is not indicative of future results.
© 2026 Blank Capital Research. All rights reserved. System Version: Aegis V8 (God Mode).
Add your assets and liabilities to calculate your net worth. See your asset allocation, debt-to-asset ratio, emergency fund coverage, and savings rate — all in one place.
Healthy
Adequate (target 6 months)
Your net worth is the single most important number in personal finance. It represents the difference between what you own (assets) and what you owe (liabilities). Tracking your net worth over time gives you a clear picture of whether you're building or losing wealth.
This ratio shows how much of your total wealth is financed by debt. A ratio below 30% is considered healthy. Between 30-50% is moderate, and above 50% means you're highly leveraged. Context matters — a mortgage on an appreciating home is very different from credit card debt.
Financial experts recommend maintaining 3-6 months of living expenses in liquid savings. This provides a safety net against job loss, medical emergencies, or unexpected expenses without needing to sell investments or take on debt.
Your savings rate is the percentage of income that you save and invest. A 20% savings rate is a common target, but FIRE movement practitioners often target 50%+. Your savings rate is the strongest predictor of how quickly you'll build wealth.
Net worth = Total Assets − Total Liabilities. Add up everything you own (checking, savings, investments, retirement accounts, property value) and subtract everything you owe (mortgage balance, student loans, auto loans, credit card debt).
The “Millionaire Next Door” formula suggests your expected net worth should be (Age × Pre-tax Annual Income) ÷ 10. A 35-year-old earning $80,000 would target $280,000. However, early-career individuals typically have lower net worth, and this is a guideline rather than a strict rule.
Yes, include your home's current market value as an asset and your remaining mortgage as a liability. Some people track both “total net worth” (including home) and “investable net worth” (excluding home equity) for a more nuanced view.