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Net worth calculator with US household comparison documentation
Inputs, formulas, assumptions and API/MCP examples for the net worth calculator with us household comparison. Reproduce a calculation and cite its sources.
Content updated . Assumptions reviewed .
Formula and assumptions
Net worth = total assets − total liabilities. Percentile thresholds average separately weighted quantiles from five SCF implicates.
- Enter all assets and liabilities in the same currency.
- US comparison applies only to households and 2022 USD values. It estimates position between published-data-derived thresholds; it does not establish an official rank.
- Defined-benefit pensions and Social Security rights are excluded from the SCF net-worth measure.
Assumptions reviewed:
Sources
- Board of Governors of the Federal Reserve System, Survey of Consumer Finances 2022. Public domain under https://www.federalreserve.gov/disclaimer.htm; derived estimates by KlarFort; vintage 2022; extract revised 2024-04-03.
Parameters
| Name | Description | Type | Default | Minimum | Maximum |
|---|---|---|---|---|---|
| currency | All entered amounts use this currency. No automatic currency conversion. | string | "USD" | ||
| assets | Values of the assets you own, all in the selected currency. For the US survey comparison use household values in 2022 US dollars. | array | [{"name":"Cash and investments","amount":100000},{"name":"Property","amount":200000}] | ||
| liabilities | Outstanding balances, all in the selected currency. | array | [{"name":"Mortgage and loans","amount":100000}] | ||
| compareUS | Only for USD household values expressed in 2022 dollars, using SCF 2022. It is not a current worldwide ranking. | boolean | false | ||
| ageGroup | Groups use the age of the SCF household reference person, not each household member. | string | "all" |
JSON API
GET accepts one input parameter containing URL-encoded JSON. POST sends the JSON input object. Prefer POST for personal figures. Inputs are limited to 16 KiB. POST results are not stored; GET results may be cached for up to 24 hours.
curl -X POST https://klarfort.com/tools/api/v1/net-worth-calculator -H "Content-Type: application/json" --data '{"currency":"USD","assets":[{"name":"Cash and investments","amount":100000},{"name":"Property","amount":200000}],"liabilities":[{"name":"Mortgage and loans","amount":100000}],"compareUS":false,"ageGroup":"all"}'fetch("https://klarfort.com/tools/api/v1/net-worth-calculator", {method:"POST", headers:{"Content-Type":"application/json"}, body:JSON.stringify({"currency":"USD","assets":[{"name":"Cash and investments","amount":100000},{"name":"Property","amount":200000}],"liabilities":[{"name":"Mortgage and loans","amount":100000}],"compareUS":false,"ageGroup":"all"})})import json, urllib.request
request = urllib.request.Request("https://klarfort.com/tools/api/v1/net-worth-calculator", data=json.dumps({"currency":"USD","assets":[{"name":"Cash and investments","amount":100000},{"name":"Property","amount":200000}],"liabilities":[{"name":"Mortgage and loans","amount":100000}],"compareUS":False,"ageGroup":"all"}).encode(), headers={"Content-Type":"application/json"})
print(urllib.request.urlopen(request).read().decode())Connected assistants
Connect using https://klarfort.com/tools/mcp. Discover this calculator with tools/list, then call net-worth-calculator. Protocol versions 2026-07-28 and 2025-11-25 are supported. Modern requests carry protocol metadata and matching HTTP headers. Set Mcp-Name to params.name for tools/call and to params.uri for resources/read. Older clients initialize first.
Limits: 120 requests per minute per address and approximately 3,000 per minute per edge location. Simulations are capped at 1,000 paths, 600 months and 150,000 path-months (paths multiplied by months). Shorten the duration or reduce paths when that work limit is exceeded. A limit response returns 429 and Retry-After. No exact remaining-request count is available.
Usage and credit
Free for personal, commercial and any other lawful use with credit to KlarFort at https://klarfort.com/. Third-party data terms still apply.
Place a visible credit near the reused material or in the credits for your work or integration. One clear credit per work or integration is sufficient; no separate credit per API request is required. Links to individual calculators are optional.
Computed with KlarFort Calculators, https://klarfort.com/
The API returns this text in credit and the homepage in credit_url. The optional citation_url identifies the calculator for reference. See usage and credit for the full permission.
KlarFort is not financial, investment, tax, or legal advice. Verify outputs before making material decisions.