Financial position snapshot
Net Worth Calculator
Add your assets and liabilities to estimate net worth, understand debt exposure and see how much of your wealth is liquid.
✓ Private✓ No registration✓ Browser-based✓ Educational estimates
Build your financial snapshot
Use approximate values. The calculator does not store or transmit the figures you enter.
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Your calculation in plain English
What a net worth calculator shows
Net worth is the value of assets minus liabilities. Assets can include cash, investments, retirement accounts, property and business interests. Liabilities include mortgages, personal loans, vehicle finance, credit-card balances and other amounts owed.
The result provides a financial snapshot. It does not measure income, happiness or personal success. The most useful information is often the direction of change: whether net worth is rising, debt is falling and liquid assets are becoming more resilient.
How to value assets and liabilities
Use reasonable current values rather than purchase prices. For investments and bank accounts, use current balances. For property, use a cautious market estimate. For business interests or unusual assets, avoid overstating values that may be difficult to realise.
Liabilities should use the outstanding balance, not the original loan amount or monthly payment. Update the calculation periodically so the trend reflects repayments, market movements and new savings.
How to interpret the outputs
Total assets show the gross value of what you own. Total liabilities show what you owe. Net worth is the difference. Liquid net worth excludes property and business assets, giving a rough indication of financial resources that may be easier to access.
The debt ratio compares liabilities with assets. A high ratio does not automatically mean a household is in difficulty, particularly when a mortgage is supported by valuable property, but it shows how sensitive net worth may be to asset-price changes and interest costs.
Common mistakes
- Using an optimistic property or business valuation.
- Including future salary as an asset.
- Forgetting taxes or selling costs on assets that may be difficult to realise.
- Ignoring small debts that accumulate.
- Focusing only on gross assets while overlooking leverage.
Frequently asked questions
What is net worth?
The current value of assets minus outstanding liabilities.
Should I include my home?
Yes, if you also include the related mortgage balance.
Should I include my car?
You may include a realistic resale value, although vehicles often depreciate.
Is CPF or a pension an asset?
You may include the current account value if it is meaningful for your planning, while recognising access restrictions.
What is liquid net worth?
Cash and readily saleable investments minus liabilities, excluding less liquid assets such as property.
How often should I calculate net worth?
Quarterly or annually is often enough for long-term tracking.
Can net worth be negative?
Yes. This can occur when debts exceed assets and may improve as debt is repaid and assets grow.
Is a high net worth the same as strong cash flow?
No. A household can have valuable property but limited liquid cash or income.
Continue your financial journey
Financial disclaimer: This calculator and guide are provided for educational information only. They do not constitute financial, investment, tax or legal advice. Actual outcomes will vary.