Total Personal Security Budget Calculator

A comprehensive personal security strategy addresses physical protection, residential security, cyber security, travel security, and legal asset protection. This calculator aggregates all security costs to give you a complete annual budget picture.

Quick Total Security Estimate

Estimate total annual security budget by threat level and net worth.

Full Security Budget Builder

Enter costs across all security domains for total annual spend.

Security Spend vs. Peer Benchmarks

Compare your security spend against HNWI peer groups.

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Frequently Asked Questions

How much do wealthy people spend on security?
Security spend scales with wealth and public profile. High-net-worth individuals ($5M-$50M) typically spend $50,000-$300,000 annually. Ultra-HNWI ($50M+) commonly spend $300,000-$2,000,000. Billionaires with high public profiles (tech founders, celebrities) spend $1M-$10M+ annually on comprehensive security programs including family protection.
What percentage of net worth should go to security?
A general industry guideline: 0.2-0.5% of net worth for moderate-profile individuals, 0.5-1% for high-profile executives, 1-2% for ultra-high-profile individuals or those with specific threats. This is a starting point — actual spend should be based on a professional threat assessment rather than a formula.
Should I get a security assessment first?
Yes. Before building a security budget, engage a reputable security consulting firm (Pinkerton, Control Risks, Guidepost Solutions) for a threat and vulnerability assessment. Cost: $10,000-$50,000. This assessment identifies specific risks and helps prioritize spending. Unguided security spending often results in over-investment in visible deterrents while leaving critical vulnerabilities unaddressed.
What is the biggest ROI in personal security spending?
Studies consistently show that access control (who can approach the principal) and advance work for travel provide the highest risk-reduction ROI. Intelligence-led security — knowing threats before they materialize — is worth 10x the value of reactive measures. The most cost-effective investment is often a part-time security consultant who can guide your overall program.

Building a Comprehensive Personal Security Budget

Effective personal security is not a single product — it is an integrated system of physical protection, cyber security, intelligence, legal protection, and insurance that together create a coherent defense posture. For high-net-worth individuals, the annual security budget should be treated as a non-negotiable operating expense, not a discretionary cost.

The most common mistake is reactive security spending following an incident. Proactive security is always more cost-effective. A comprehensive annual security review with a trusted advisor costs $10,000-$30,000 and can prevent six-figure incidents.

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