{"id":4799,"date":"2026-11-02T12:19:43","date_gmt":"2026-11-02T12:19:43","guid":{"rendered":"https:\/\/wpcalc.com\/de\/finanzen\/nettovermoegen-rechner\/"},"modified":"2026-11-02T12:19:43","modified_gmt":"2026-11-02T12:19:43","slug":"nettovermoegen-rechner","status":"publish","type":"post","link":"https:\/\/wpcalc.com\/de\/finanzen\/nettovermoegen-rechner\/","title":{"rendered":"Nettoverm\u00f6gen-Rechner"},"content":{"rendered":"<section class=\"not-prose calculator-box\" aria-labelledby=\"calculator-title\"><div class=\"flex items-baseline sm:items-center justify-between gap-2 sm:gap-3\"><div class=\"flex flex-col sm:flex-row sm:items-center gap-2\"><span class=\"icon icon-calculator text-primary-700! text-base! dark:text-primary-300!\" aria-hidden=\"true\"><\/span><h2 id=\"calculator-title\" class=\"text-lg font-display font-bold\">Verm\u00f6gen und Schulden im \u00dcberblick<\/h2><\/div><div class=\"calcdash-favorite group\">\n  <button type=\"button\" class=\"favorite\" id=\"favorite\" data-favorite-id=\"4799\" data-favorite-title=\"Nettoverm\u00f6gen\" data-favorite-url=\"https:\/\/wpcalc.com\/de\/finanzen\/nettovermoegen-rechner\/\" data-favorite-excerpt=\"Addieren Sie alles, was Sie besitzen, und alles, was Sie schulden, und ermitteln Sie Ihr Nettoverm\u00f6gen in Sekunden. Geben Sie Verm\u00f6genswerte, Schulden, Einkommen und Alter ein und Sie erhalten Summen, den Verschuldungsgrad, das liquide Nettoverm\u00f6gen sowie den Vergleich mit einem g\u00e4ngigen Richtwert.\" aria-label=\"Zu Favoriten hinzuf\u00fcgen\" data-favorite-icon=\"icon icon-budget\">\n    <span class=\"icon icon-shape-star-empty\" aria-hidden=\"true\"><\/span>\n  <\/button>\n  <div class=\"calcdash-favorite__tip\" aria-hidden=\"true\">\n   <span class=\"favorite-tooltip\" id=\"favorite-tooltip\"><\/span>\n  <\/div>\n  <span class=\"sr-only\" role=\"status\" id=\"favorite-status\"><\/span>\n<\/div><\/div><form action=\"https:\/\/wpcalc.com\/de\/finanzen\/nettovermoegen-rechner\/\" method=\"POST\" class=\"calculator\" id=\"calculator-4799\" data-post=\"4799\"><fieldset class=\"fieldset-input is-2\"><legend class=\"sr-only\">Eingabefelder<\/legend><div class=\"is-single field\" id=\"input-1\"><span class=\"font-semibold\">Verm\u00f6genswerte<\/span><\/div><div class=\"field\" id=\"input-2\"><label for=\"field-2\">Bargeld &amp; Girokonto<\/label><input type=\"text\" name=\"bargeld_girokonto\" id=\"field-2\" aria-describedby=\"calc-unit-2\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"4000\"\/><div class=\"unit\" id=\"calc-unit-2\">$<\/div><\/div><div class=\"field\" id=\"input-3\"><label for=\"field-3\">Sparkonten<\/label><input type=\"text\" name=\"sparkonten\" id=\"field-3\" aria-describedby=\"calc-unit-3\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"12000\"\/><div class=\"unit\" id=\"calc-unit-3\">$<\/div><\/div><div class=\"field\" id=\"input-4\"><label for=\"field-4\">Altersvorsorge (401k, IRA)<\/label><input type=\"text\" name=\"altersvorsorge_401k_ira\" id=\"field-4\" aria-describedby=\"calc-unit-4\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"65000\"\/><div class=\"unit\" id=\"calc-unit-4\">$<\/div><\/div><div class=\"field\" id=\"input-5\"><label for=\"field-5\">Depot \/ Wertpapiere<\/label><input type=\"text\" name=\"depot_wertpapiere\" id=\"field-5\" aria-describedby=\"calc-unit-5\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"15000\"\/><div class=\"unit\" id=\"calc-unit-5\">$<\/div><\/div><div class=\"field\" id=\"input-6\"><label for=\"field-6\">Immobilien<\/label><input type=\"text\" name=\"immobilien\" id=\"field-6\" aria-describedby=\"calc-unit-6 calc-info-6\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"220000\"\/><div class=\"unit\" id=\"calc-unit-6\">$<\/div><small id=\"calc-info-6\">Der Marktwert Ihres Eigenheims und aller weiteren Immobilien, die Ihnen geh\u00f6ren.<\/small><\/div><div class=\"field\" id=\"input-7\"><label for=\"field-7\">Fahrzeuge<\/label><input type=\"text\" name=\"fahrzeuge\" id=\"field-7\" aria-describedby=\"calc-unit-7\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"12000\"\/><div class=\"unit\" id=\"calc-unit-7\">$<\/div><\/div><div class=\"field\" id=\"input-8\"><label for=\"field-8\">Sonstige Verm\u00f6genswerte<\/label><input type=\"text\" name=\"sonstige_vermgenswerte\" id=\"field-8\" aria-describedby=\"calc-unit-8 calc-info-8\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"3000\"\/><div class=\"unit\" id=\"calc-unit-8\">$<\/div><small id=\"calc-info-8\">z. B. Unternehmensanteile, Wertgegenst\u00e4nde, ausstehende Forderungen.<\/small><\/div><div class=\"field is-single\" id=\"input-9\"><label for=\"field-9\">Zus\u00e4tzliche Zeilen f\u00fcr Verm\u00f6genswerte<\/label><div class=\"grid grid-cols-1\"><select id=\"field-9\" name=\"zustzliche_zeilen_fr_vermgenswerte\"><option value=\"No extra rows\">Keine zus\u00e4tzlichen Zeilen<\/option><option value=\"1 extra row\">1 zus\u00e4tzliche Zeile<\/option><option value=\"2 extra rows\">2 zus\u00e4tzliche Zeilen<\/option><option value=\"3 extra rows\">3 zus\u00e4tzliche Zeilen<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-10\" hidden><label for=\"field-10\">Name des Verm\u00f6genswerts<\/label><input type=\"text\" name=\"name_des_vermgenswerts\" id=\"field-10\" placeholder=\"z. B. Unternehmensanteile\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-11\" hidden><label for=\"field-11\">Wert<\/label><input type=\"text\" name=\"wert\" id=\"field-11\" aria-describedby=\"calc-unit-11\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-11\">$<\/div><\/div><div class=\"field\" id=\"input-12\" hidden><label for=\"field-12\">Name des Verm\u00f6genswerts<\/label><input type=\"text\" name=\"name_des_vermgenswerts\" id=\"field-12\" placeholder=\"z. B. Kryptow\u00e4hrungen\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-13\" hidden><label for=\"field-13\">Wert<\/label><input type=\"text\" name=\"wert\" id=\"field-13\" aria-describedby=\"calc-unit-13\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-13\">$<\/div><\/div><div class=\"field\" id=\"input-14\" hidden><label for=\"field-14\">Name des Verm\u00f6genswerts<\/label><input type=\"text\" name=\"name_des_vermgenswerts\" id=\"field-14\" placeholder=\"z. B. Kunst &amp; Sammlerst\u00fccke\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-15\" hidden><label for=\"field-15\">Wert<\/label><input type=\"text\" name=\"wert\" id=\"field-15\" aria-describedby=\"calc-unit-15\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-15\">$<\/div><\/div><div class=\"is-single field\" id=\"input-16\"><span class=\"font-semibold\">Schulden<\/span><\/div><div class=\"field\" id=\"input-17\"><label for=\"field-17\">Hypothek<\/label><input type=\"text\" name=\"hypothek\" id=\"field-17\" aria-describedby=\"calc-unit-17 calc-info-17\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"165000\"\/><div class=\"unit\" id=\"calc-unit-17\">$<\/div><small id=\"calc-info-17\">Die ausstehende Restschuld.<\/small><\/div><div class=\"field\" id=\"input-18\"><label for=\"field-18\">Home-Equity-Darlehen<\/label><input type=\"text\" name=\"homeequitydarlehen\" id=\"field-18\" aria-describedby=\"calc-unit-18\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-18\">$<\/div><\/div><div class=\"field\" id=\"input-19\"><label for=\"field-19\">Autokredite<\/label><input type=\"text\" name=\"autokredite\" id=\"field-19\" aria-describedby=\"calc-unit-19\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"8000\"\/><div class=\"unit\" id=\"calc-unit-19\">$<\/div><\/div><div class=\"field\" id=\"input-20\"><label for=\"field-20\">Studiendarlehen<\/label><input type=\"text\" name=\"studiendarlehen\" id=\"field-20\" aria-describedby=\"calc-unit-20\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"15000\"\/><div class=\"unit\" id=\"calc-unit-20\">$<\/div><\/div><div class=\"field\" id=\"input-21\"><label for=\"field-21\">Kreditkarten<\/label><input type=\"text\" name=\"kreditkarten\" id=\"field-21\" aria-describedby=\"calc-unit-21 calc-info-21\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"2500\"\/><div class=\"unit\" id=\"calc-unit-21\">$<\/div><small id=\"calc-info-21\">Der gesamte offene Saldo, nicht die monatliche Rate.<\/small><\/div><div class=\"field\" id=\"input-22\"><label for=\"field-22\">Ratenkredite<\/label><input type=\"text\" name=\"ratenkredite\" id=\"field-22\" aria-describedby=\"calc-unit-22\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"4000\"\/><div class=\"unit\" id=\"calc-unit-22\">$<\/div><\/div><div class=\"field\" id=\"input-23\"><label for=\"field-23\">Sonstige Schulden<\/label><input type=\"text\" name=\"sonstige_schulden\" id=\"field-23\" aria-describedby=\"calc-unit-23 calc-info-23\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-23\">$<\/div><small id=\"calc-info-23\">z. B. Steuerschulden, Buy-now-pay-later, Darlehen von der Familie.<\/small><\/div><div class=\"field is-single\" id=\"input-24\"><label for=\"field-24\">Zus\u00e4tzliche Zeilen f\u00fcr Schulden<\/label><div class=\"grid grid-cols-1\"><select id=\"field-24\" name=\"zustzliche_zeilen_fr_schulden\"><option value=\"No extra rows\">Keine zus\u00e4tzlichen Zeilen<\/option><option value=\"1 extra row\">1 zus\u00e4tzliche Zeile<\/option><option value=\"2 extra rows\">2 zus\u00e4tzliche Zeilen<\/option><option value=\"3 extra rows\">3 zus\u00e4tzliche Zeilen<\/option><\/select><svg class=\"pointer-events-none col-start-1 row-start-1 mr-2 size-5 self-center justify-self-end text-gray-500 sm:size-4\" viewBox=\"0 0 16 16\" fill=\"currentColor\" aria-hidden=\"true\" data-slot=\"icon\">\n              <path fill-rule=\"evenodd\" d=\"M4.22 6.22a.75.75 0 0 1 1.06 0L8 8.94l2.72-2.72a.75.75 0 1 1 1.06 1.06l-3.25 3.25a.75.75 0 0 1-1.06 0L4.22 7.28a.75.75 0 0 1 0-1.06Z\" clip-rule=\"evenodd\" \/>\n            <\/svg><\/div><\/div><div class=\"field\" id=\"input-25\" hidden><label for=\"field-25\">Name der Schuld<\/label><input type=\"text\" name=\"name_der_schuld\" id=\"field-25\" placeholder=\"z. B. Arztrechnung\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-26\" hidden><label for=\"field-26\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-26\" aria-describedby=\"calc-unit-26\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-26\">$<\/div><\/div><div class=\"field\" id=\"input-27\" hidden><label for=\"field-27\">Name der Schuld<\/label><input type=\"text\" name=\"name_der_schuld\" id=\"field-27\" placeholder=\"z. B. Steuerr\u00fcckstand\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-28\" hidden><label for=\"field-28\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-28\" aria-describedby=\"calc-unit-28\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-28\">$<\/div><\/div><div class=\"field\" id=\"input-29\" hidden><label for=\"field-29\">Name der Schuld<\/label><input type=\"text\" name=\"name_der_schuld\" id=\"field-29\" placeholder=\"z. B. 401k-Darlehen\" step=\"any\"\/><\/div><div class=\"field\" id=\"input-30\" hidden><label for=\"field-30\">Saldo<\/label><input type=\"text\" name=\"saldo\" id=\"field-30\" aria-describedby=\"calc-unit-30\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"0\"\/><div class=\"unit\" id=\"calc-unit-30\">$<\/div><\/div><div class=\"is-single field\" id=\"input-31\"><span class=\"font-semibold\">Optionaler Richtwert<\/span><\/div><div class=\"field is-single\" id=\"input-32\"><label for=\"field-32\">Alter<\/label><input type=\"text\" name=\"alter\" id=\"field-32\" aria-describedby=\"calc-info-32\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" max=\"120\" value=\"35\"\/><small id=\"calc-info-32\">Lassen Sie beide Felder leer, um den Vergleich zu \u00fcberspringen.<\/small><\/div><div class=\"field is-single\" id=\"input-33\"><label for=\"field-33\">J\u00e4hrliches Bruttoeinkommen<\/label><input type=\"text\" name=\"jhrliches_bruttoeinkommen\" id=\"field-33\" aria-describedby=\"calc-unit-33\" data-number inputmode=\"decimal\" autocomplete=\"off\" spellcheck=\"false\" min=\"0\" value=\"70000\"\/><div class=\"unit\" id=\"calc-unit-33\">$<\/div><\/div><\/fieldset><div class=\"buttons\"><button type=\"submit\" data-text=\"Neu berechnen\" id=\"calculate-button\" data-post=\"4799\">Berechnen<\/button><button type=\"reset\">Zur\u00fccksetzen<\/button><\/div><div class=\"field is-checkbox hidden!\" id=\"field-auto-calc\"><input type=\"checkbox\" id=\"auto-calc\"><label for=\"auto-calc\">Automatisch berechnen<\/label><small>Wenn aktiviert, wird das Ergebnis automatisch aktualisiert, sobald Sie einen Wert \u00e4ndern.<\/small><\/div><div class=\"fieldset-result is-hidden\" aria-labelledby=\"result-title\" aria-live=\"polite\" role=\"region\"> <h3 class=\"result-title bg-gradient-to-r from-primary-50 to-gray-50 dark:from-primary-900 dark:to-gray-800\" id=\"result-title\"><span class=\"icon icon-s-pulse\" aria-hidden=\"true\"><\/span> Ihr Nettoverm\u00f6gen im \u00dcberblick<\/h3><div class=\"result-box\"><div class=\"field-result\" id=\"output-1\"><span class=\"field-title\"><span>Verm\u00f6genswerte gesamt<\/span><\/span><span class=\"field-value\" id=\"result-1\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-2\"><span class=\"field-title\"><span>Schulden gesamt<\/span><\/span><span class=\"field-value\" id=\"result-2\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-3\"><span class=\"field-title\"><span>Nettoverm\u00f6gen<\/span><\/span><span class=\"field-value\" id=\"result-3\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-4\"><span class=\"field-title\"><span>Verschuldungsquote<\/span><\/span><span class=\"field-value\" id=\"result-4\" data-unit=\"%\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result\" id=\"output-5\"><span class=\"field-title\"><span>Liquides Nettoverm\u00f6gen<\/span><\/span><span class=\"field-value\" id=\"result-5\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-6\"><span class=\"field-title\"><span>Aufschl\u00fcsselung der Verm\u00f6genswerte<\/span><\/span><span class=\"field-value\" id=\"result-6\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-7\"><span class=\"field-title\"><span>Aufschl\u00fcsselung der Schulden<\/span><\/span><span class=\"field-value\" id=\"result-7\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><div class=\"field-result is-column\" id=\"output-8\"><span class=\"field-title\"><span>Faustregel Alter \u00d7 Einkommen<\/span><\/span><span class=\"field-value\" id=\"result-8\"><\/span><button type=\"button\" class=\"copy-result\" data-tooltip=\"Ergebnis kopieren\" aria-label=\"Ergebnis kopieren\"><span class=\"copy-icon icon icon-document-copy\" aria-hidden=\"true\"><\/span><\/button><\/div><\/div><div class=\"result-actions\"><button type=\"button\" class=\"copy-link\"><svg viewBox=\"0 0 20 20\" fill=\"currentColor\" aria-hidden=\"true\"><path d=\"M12.232 4.232a2.5 2.5 0 0 1 3.536 3.536l-1.225 1.224a.75.75 0 0 0 1.061 1.06l1.224-1.224a4 4 0 0 0-5.656-5.656l-3 3a4 4 0 0 0 .225 5.865.75.75 0 0 0 .977-1.138 2.5 2.5 0 0 1-.142-3.667l3-3Z\"\/><path d=\"M11.603 7.963a.75.75 0 0 0-.977 1.138 2.5 2.5 0 0 1 .142 3.667l-3 3a2.5 2.5 0 0 1-3.536-3.536l1.225-1.224a.75.75 0 0 0-1.061-1.06l-1.224 1.224a4 4 0 1 0 5.656 5.656l3-3a4 4 0 0 0-.225-5.865Z\"\/><\/svg><span class=\"copy-link__text\">Link zu dieser Berechnung kopieren<\/span><\/button><span class=\"sr-only\" role=\"status\" id=\"copy-link-status\"><\/span><\/div><\/div><a href=\"#respond\" class=\"hidden transition-opacity duration-300 opacity-0 w-50 text-sm justify-center items-center gap-2 px-4 py-2 rounded bg-gray-200 text-gray-700 hover:bg-gray-300\" id=\"leave-comment\"><span class=\"icon icon-comments\" aria-hidden=\"true\"><\/span>Kommentar schreiben<\/a><\/form><\/section><section id=\"calc-reactions\" class=\"not-prose hidden my-12 bg-gradient-to-r from-primary-50 to-gray-50 border border-indigo-100 rounded-xl px-6 py-4 shadow-sm\" data-post=\"4799\" aria-live=\"polite\" aria-labelledby=\"calc-reactions-title\"><p id=\"calc-reactions-title\" class=\"text-sm text-gray-500 text-center mb-2\">Wie finden Sie dieses Ergebnis?<\/p><div role=\"group\" aria-labelledby=\"calc-reactions-title\" class=\"grid grid-cols-3 sm:flex sm:flex-row sm:justify-around gap-4 sm:items-center sm:flex-wrap\"><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"like\"><span class=\"reaction-count\" data-reaction-count=\"like\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude00 <\/span><span class=\"reaction-description font-medium\">Gef\u00e4llt mir <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"helpful\"><span class=\"reaction-count\" data-reaction-count=\"helpful\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\udca1 <\/span><span class=\"reaction-description font-medium\">Hilfreich <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"confused\"><span class=\"reaction-count\" data-reaction-count=\"confused\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude15 <\/span><span class=\"reaction-description font-medium\">Verwirrt <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"disappointed\"><span class=\"reaction-count\" data-reaction-count=\"disappointed\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\ud83d\ude1e <\/span><span class=\"reaction-description font-medium\">Entt\u00e4uscht <\/span><\/button><button type=\"button\" aria-pressed=\"false\" class=\"reaction-btn flex flex-col items-center gap-1 text-sm text-gray-700 hover:text-primary-600 cursor-pointer transition-transform hover:scale-105\" data-reaction=\"inaccurate\"><span class=\"reaction-count\" data-reaction-count=\"inaccurate\">0<\/span><span class=\"reaction text-3xl\" aria-hidden=\"true\">\u274c <\/span><span class=\"reaction-description font-medium\">Ungenau <\/span><\/button><\/div><div id=\"reaction-message\" class=\"hidden mt-8 rounded-md border border-primary-100 bg-white\/50 backdrop-blur-sm px-4 py-2 text-sm text-center shadow-sm\"><\/div><\/section><div class=\"calcdash-ad not-prose calcdash-ad--calc_result calcdash-ad--in-article\"><ins class=\"adsbygoogle\" style=\"display:block\" data-ad-client=\"ca-pub-1721569815777345\" data-ad-slot=\"6317458308\" data-ad-layout=\"in-article\" data-ad-format=\"fluid\"><\/ins><script>(adsbygoogle = window.adsbygoogle || []).push({});<\/script><\/div>\n<style id=\"wpcoderpro-inline-1\">.formula-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section class=\"formula-box\" aria-labelledby=\"formula-title\">\r\n\t<div id=\"formula-title\" class=\"not-prose font-display mb-4\"><span class=\"icon icon-formula\" aria-hidden=\"true\"><\/span><h2>Formel f\u00fcr das Nettoverm\u00f6gen<\/h2><\/div>\r\n\t<figure class=\"not-prose formula\">\r\n\t\t<figcaption class=\"formula-title\">Formel<\/figcaption>\r\n\t\t<div class=\"text-base text-gray-800\" id=\"formula\">\n\\[ \\text{Nettoverm\u00f6gen} = \\text{Gesamtverm\u00f6gen} - \\text{Gesamtverbindlichkeiten} \\]\n\\[ \\text{Verschuldungsgrad} = \\frac{\\text{Gesamtverbindlichkeiten}}{\\text{Gesamtverm\u00f6gen}} \\times 100\\% \\]\n\\[ \\text{Liquides Nettoverm\u00f6gen} = \\text{Bargeld} + \\text{Sparguthaben} + \\text{Wertpapierdepot} - \\text{Kreditkarten} - \\text{Privatkredite} \\]\n<\/div>\r\n\t<\/figure>\r\n\t<\/p>\n<p><strong>Dabei ist:<\/strong><\/p>\n<ul>\n<li><em>Gesamtverm\u00f6gen<\/em> \u2014 der aktuelle Marktwert all dessen, was Ihnen geh\u00f6rt: Bargeld, Sparguthaben, Altersvorsorge- und Depotkonten, Immobilien, Fahrzeuge und weitere Wertsachen<\/li>\n<li><em>Gesamtverbindlichkeiten<\/em> \u2014 die offene Restschuld aller Kredite: Hypothekenrestschuld (nicht der Wert des Hauses), Autokredite, Studienkredite, Kreditkartensalden und \u00c4hnliches<\/li>\n<\/ul>\n<p>Das Nettoverm\u00f6gen ist nichts anderes als die Differenz zwischen dem, was Sie besitzen, und dem, was Sie schulden. Der Verschuldungsgrad zeigt, wie stark Sie verschuldet sind, und das liquide Nettoverm\u00f6gen umfasst nur das Geld, auf das Sie im Notfall tats\u00e4chlich schnell zugreifen k\u00f6nnten.<\/p>\n<p>\r\n<\/section>\n<style id=\"wpcoderpro-inline-2\">.calculation-box {\r\n\tborder-bottom: none !important;\r\n}<\/style><section id=\"calculation\" class=\"calculation-box\" aria-labelledby=\"calculation-title\">\r\n\t<div id=\"calculation-title\" class=\"not-prose font-display\"><span class=\"icon icon-unordered-list\" aria-hidden=\"true\"><\/span><h2>Nettoverm\u00f6gen \u2013 Rechenbeispiel<\/h2><\/div>\r\n\r\n<\/p>\n<p><strong>Beispiel:<\/strong> Eine 35-J\u00e4hrige mit einem j\u00e4hrlichen Bruttoeinkommen von 70.000 $ besitzt 4.000 $ Bargeld, 12.000 $ Sparguthaben, 65.000 $ in Altersvorsorgekonten, 15.000 $ in Wertpapieren, ein Haus im Wert von 220.000 $, Fahrzeuge im Wert von 12.000 $ und 3.000 $ sonstige Verm\u00f6genswerte. Ihre Schulden: 165.000 $ Hypothek, 8.000 $ Autokredit, 15.000 $ Studienkredite, 2.500 $ Kreditkarten und 4.000 $ Privatkredite.<\/p>\n<p>\\[ \\text{Verm\u00f6genswerte} = 4{,}000 + 12{,}000 + 65{,}000 + 15{,}000 + 220{,}000 + 12{,}000 + 3{,}000 = \\$331{,}000 \\]<\/p>\n<p>\\[ \\text{Verbindlichkeiten} = 165{,}000 + 8{,}000 + 15{,}000 + 2{,}500 + 4{,}000 = \\$194{,}500 \\]<\/p>\n<p>\\[ \\text{Nettoverm\u00f6gen} = 331{,}000 - 194{,}500 = \\$136{,}500 \\]<\/p>\n<p>\\[ \\text{Verschuldungsgrad} = \\frac{194{,}500}{331{,}000} \\times 100\\% \\approx 58,76\\% \\]<\/p>\n<p>\\[ \\text{Liquides Nettoverm\u00f6gen} = 4{,}000 + 12{,}000 + 15{,}000 - 2{,}500 - 4{,}000 = \\$24{,}500 \\]<\/p>\n<p><strong>Ergebnis:<\/strong> Das Nettoverm\u00f6gen betr\u00e4gt 136.500 $, davon 24.500 $ liquide. Der Richtwert aus Alter \u00d7 Einkommen (35 \u00d7 70.000 $ \u00f7 10) liegt bei 245.000 $; sie erreicht also rund 56 % dieses Ziels.<\/p>\n<p>\n\r\n<\/section>\n<h2>So benutzen Sie den Rechner<\/h2>\n<ol>\n<li>Geben Sie unter <strong>Verm\u00f6gen<\/strong> den aktuellen Wert jedes Verm\u00f6gensgegenstands ein \u2014 <strong>Bargeld &amp; Girokonto<\/strong>, <strong>Sparkonten<\/strong>, <strong>Altersvorsorge (401k, IRA)<\/strong>, <strong>Depot \/ Wertpapiere<\/strong>, <strong>Immobilien<\/strong>, <strong>Fahrzeuge<\/strong> und <strong>Sonstige Verm\u00f6genswerte<\/strong>. F\u00fcr alles, was Sie nicht besitzen, tragen Sie 0 ein.<\/li>\n<li>Wenn Sie mehr Eingabefelder f\u00fcr Verm\u00f6genswerte ben\u00f6tigen, w\u00e4hlen Sie unter <strong>Zus\u00e4tzliche Verm\u00f6genszeilen<\/strong> die gew\u00fcnschte Anzahl aus und geben Sie dann einen Namen ein (z. B.<br \/>\n","protected":false},"excerpt":{"rendered":"<p>Addieren Sie alles, was Sie besitzen, und alles, was Sie schulden, und ermitteln Sie Ihr Nettoverm\u00f6gen in Sekunden. Geben Sie Verm\u00f6genswerte, Schulden, Einkommen und Alter ein und Sie erhalten Summen, den Verschuldungsgrad, das liquide Nettoverm\u00f6gen sowie den Vergleich mit einem g\u00e4ngigen Richtwert.<\/p>\n","protected":false},"author":3168,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7],"tags":[24],"class_list":["post-4799","post","type-post","status-publish","format-standard","hentry","category-finanzen","tag-budget"],"acf":[],"_links":{"self":[{"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/posts\/4799","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/users\/3168"}],"replies":[{"embeddable":true,"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/comments?post=4799"}],"version-history":[{"count":0,"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/posts\/4799\/revisions"}],"wp:attachment":[{"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/media?parent=4799"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/categories?post=4799"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/wpcalc.com\/de\/wp-json\/wp\/v2\/tags?post=4799"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}