Human Capital Simulator

Your greatest asset: yourself

Human capital represents the present value of your future earning potential. Use this simulator to understand your total wealth picture.

Converting human capital to financial capital

Early in your career, most of your wealth is in human capital (your ability to earn). Over time, you convert this to financial capital through saving and investing. Understanding this transition is key to financial planning.

I am not a financial advisor!

This calculator provides accurate results but you may also want to talk to a financial advisor to get their calculation and advice.