Lifetime Wealth Rating Calculator

Welcome to our Lifetime Wealth Ratio (LWR) Calculator, a free web based tool to measure your financial effectiveness over your lifetime.

The Lifetime Wealth Ratio (LWR) calculator provides an extremely broad perspective on your personal finances by considering both your wealth and income over your lifetime. This ratio is calculated by dividing your net worth (assets minus liabilities) by your total lifetime income. The result gives you an insight into how effectively you’ve converted your lifetime earnings into wealth. We’ve chosen not to include, record or keep track of answers nor will we show where you stand compared to others. Having said that…

For better or worse, the LWR shines a light on your financial journey so far. The percentage you get can help you understand whether you’re just starting to build wealth, whether you’re making good progress, or whether you’ve become exceptionally efficient at turning income into assets. It takes into account all your assets (such as houses, cars, bank accounts, securities, rental properties) and all your liabilities (credit card debt, student loans, mortgages). By providing this comprehensive view of your financial status, the LWR can be a valuable tool in shaping your future financial strategies.

How To Use Our Wealth Rating Calculator


Gather Your Financial Data

Begin by gathering your financial data. This includes the total value of your assets (everything you own like property, cars, investments), and the total value of your liabilities (everything you owe like mortgages, loans, credit card debt).


Input Values

Input these values into the appropriate fields in the calculator. It's also necessary to provide your total lifetime income, which is the cumulative amount you've earned over your working life, either before or after taxes depending on what you choose.



Once you've inputted all the necessary data, click on the 'Calculate' button. The calculator will then determine your net worth by subtracting your liabilities from your assets, and then calculate your Lifetime Wealth Ratio (LWR). The result will be displayed along with an interpretation to help you understand your financial standing.


Your Life. Your Wealth.

Lifetime Wealth Ratio Calculator