If you searched for kiplinger.com/links/networth, you were probably looking for a net worth calculator or a guide from Kiplinger, the long-running personal finance publication. I cannot confirm that exact web address still points to a page, since sites reorganize their links often. What I can do is show you how to find Kiplinger’s net worth material and, more usefully, how to work out your own figure without relying on any single page.
What Kiplinger is
Kiplinger is an American personal finance publisher that has covered money, investing, retirement and taxes for decades, through its magazine and website. Its articles and tools are aimed at everyday readers. The best way to find a specific tool is to visit the homepage at kiplinger.com and use its search box or topic menus for “net worth”, “retirement” or “calculators”.
Why a link like kiplinger.com/links/networth may not work
- Site redesigns: Publishers change URL structures, and old paths can redirect or disappear.
- Link shorteners and tracking paths: Some addresses were created for print features or email newsletters and later retired.
- Typos: One missing character can lead to an error page.
If you reached a page you did not expect, check that the address begins with the real domain you meant to visit before entering any personal information.
Build your own net worth statement in 15 minutes
You do not need a special tool. A simple spreadsheet does the job.
- List your assets. Include checking and savings, retirement accounts, brokerage accounts, the market value of your home, vehicles and valuable items you could sell.
- List your liabilities. Mortgage, car loans, student loans, credit card balances, personal loans and any taxes owed.
- Subtract. Assets minus liabilities equals net worth.
- Date it. Write the date at the top, then update at least annually.
A layout to copy
| Category | Example entries |
|---|---|
| Cash | Checking, savings, money market |
| Investments | 401(k), IRA, brokerage, HSA |
| Property | Home value, car value |
| Debts | Mortgage, loans, cards |
Tips for accuracy
- Use conservative values for your home and car, such as recent comparable sales or a valuation guide, not the price you hope to get.
- Do not count future income or inheritances you have not received.
- Count retirement accounts at their current balance, remembering that withdrawals may be taxed.
- Include small debts. They add up.
What to do with the result
Your net worth is a scoreboard, not a grade. Track it, then focus on the things that move it: spending less than you earn, paying down high-interest debt, saving steadily and investing in diversified, low-cost funds. The Consumer Financial Protection Bureau also has free budgeting and planning resources at consumerfinance.gov, and the Federal Reserve’s Survey of Consumer Finances offers context for how households of different ages compare. Remember that medians are more representative than averages, since a few very wealthy households raise the mean.
FAQ
Is Kiplinger’s net worth calculator free?
I cannot verify what tools are currently offered or their pricing. Check the site directly for current options.
Are online calculators safe?
Use tools from reputable publishers, avoid entering account numbers or passwords, and check that the site address is correct.
How often should I update my net worth?
Once or twice a year is enough for most people. Monthly tracking can create anxiety because markets move.
Does net worth include my house?
Yes, the market value minus the mortgage, though many planners also look at net worth without home equity.
Is a negative net worth bad?
It is common early in life, especially with student loans. The direction of travel matters more than the starting point.
Net worth versus other money measures
Do not confuse net worth with income, savings rate or emergency fund size. Income is what you earn. Savings rate is the share you keep. An emergency fund, typically three to six months of essential expenses, protects you from borrowing when something goes wrong. Net worth sits on top of all of these as the sum of what you have built. A person with a high salary but heavy spending can have a lower net worth than someone with a modest salary and disciplined habits, which is a useful reminder when comparing yourself with friends or with online averages.
Summary
If the exact link fails, go to the publisher’s homepage and search, or build your own statement using the steps above. For more beginner-friendly money explainers, see InvisionFree. This article is general information, not personal financial advice, and web addresses and tools can change.
