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Planificador de Presupuesto
Key Financial Terms
Understand the essential concepts behind this calculator
50/30/20 Rule
A budgeting guideline allocating 50% to needs, 30% to wants, and 20% to savings
Learn more →
APR vs Interest Rate
APR reflects total borrowing costs; interest rate only shows the cost of borrowing money.
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Accounting
Accounting tracks financial activity, helping businesses make informed decisions and ensure compliance.
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Accounts Payable
Accounts payable are short-term liabilities that a business owes to suppliers for goods or services received.
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Preguntas Frecuentes
Preguntas comunes sobre Planificador de Presupuesto
La regla del 50/30/20 divide tus ingresos después de impuestos en tres categorías: 50% para necesidades (vivienda, servicios públicos, comida, seguro, pagos mínimos de deudas), 30% para deseos (salir a cenar, entretenimiento, hobbies, suscripciones) y 20% para ahorros y pago de deudas por encima de los mínimos. Por ejemplo, con un ingreso mensual de ,000, eso
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Free unit conversion tools
Sources & References
Federal Reserve Survey of Consumer Finances
The most authoritative source for U.S. household net worth data. Conducted every 3 years with ~6,000 families.
Average vs. Median Net Worth by Age (2022 Data)
• Under 35: Median $39,040 | Average $183,500
• 35-44: Median $135,600 | Average $549,600
• 45-54: Median $246,700 | Average $975,800
• 55-64: Median $364,270 | Average $1,566,900
• 65-74: Median $409,900 | Average $1,794,600
• 75+: Median $335,600 | Average $1,624,100
• 35-44: Median $135,600 | Average $549,600
• 45-54: Median $246,700 | Average $975,800
• 55-64: Median $364,270 | Average $1,566,900
• 65-74: Median $409,900 | Average $1,794,600
• 75+: Median $335,600 | Average $1,624,100
Why Average is Higher Than Median
Median represents the middle household (50th percentile). Average is skewed higher by ultra-wealthy households. Median is a better benchmark for typical American households.
Net Worth by Income Percentile (2022)
• Bottom 50%: Median $27,970 (2.6% of total wealth)
• 50-90th percentile: Median $379,700 (36.5% of total wealth)
• 90-99th percentile: Median $2,265,000 (36.6% of total wealth)
• Top 1%: Median $16,740,000 (24.3% of total wealth)
• 50-90th percentile: Median $379,700 (36.5% of total wealth)
• 90-99th percentile: Median $2,265,000 (36.6% of total wealth)
• Top 1%: Median $16,740,000 (24.3% of total wealth)
Components of Net Worth
Net worth = Total Assets - Total Liabilities
Assets include: Home equity, retirement accounts (401k, IRA), investment accounts, vehicles, cash/savings
Liabilities include: Mortgage, student loans, credit cards, auto loans, personal loans
Assets include: Home equity, retirement accounts (401k, IRA), investment accounts, vehicles, cash/savings
Liabilities include: Mortgage, student loans, credit cards, auto loans, personal loans
Millionaire Statistics (U.S.)
• ~14.6 million millionaire households in U.S. (2024)
• Represents ~10.8% of all U.S. households
• Average age of first-time millionaire: 59 years old
• Represents ~10.8% of all U.S. households
• Average age of first-time millionaire: 59 years old
Tip
Focus on your personal financial goals rather than comparisons. These benchmarks provide context, not targets. Your ideal net worth depends on your age, income, goals, and lifestyle.
⚠️ Tip