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Net Worth Calculator

Add up what you own (savings, KiwiSaver, investments, your home and car) and take away what you owe, to see your net worth, your home equity and the cash and investments you could actually reach.

The figures are examples: change them to yours, and leave out anything you don’t have.

What you own

$

Everyday, savings and term deposits

$
$

Shares, managed funds, crypto

$

What it would sell for

$

What they would sell for

$

Other property, a business

What you owe

$
$
$
$

And buy now pay later

$
More options· Essentials
$

Housing, bills, food, transport: to see how long your cash would last

Your net worth

$238,000

You own $820,000 and owe $582,000

Home equity
$200,000
Without your home
$38,000
Cash and investments
$15,000

What this means

Your debts are 71% of what you own. That share falls as you pay down debt and your savings grow.

Most of many people’s net worth is their home and retirement savings, which you can’t easily spend. Cash and investments of $15,000 are what you could reach in an emergency or for a goal.

Work it out once or twice a year: the trend matters more than the number. Bookmark this page to keep your figures: they’re saved in the link, not on our servers.

Next step

Your balance sheet

Cash and savings$10,000
KiwiSaver$40,000
Other investments$5,000
Your home$750,000
Cars and vehicles$15,000
You own$820,000
Mortgage−$550,000
Car loans−$10,000
Student loan−$20,000
Credit cards−$2,000
You owe−$582,000
Net worth$238,000

Where it is

What you own
  • Cash and savings$10,000
  • KiwiSaver$40,000
  • Other investments$5,000
  • Your home$750,000
  • Cars and vehicles$15,000
What you owe
  • Mortgage$550,000
  • Car loans$10,000
  • Student loan$20,000
  • Credit cards$2,000
Assumptions in this estimate
  • Use what things would sell for today, not what you paid. For a car, check a used-car price guide; for a home, recent sales nearby.
  • Retirement savings are counted at their full value, before any tax you’d pay taking them out.
  • Nothing you enter is sent to us: the calculation happens in your browser.
Spotted a mistake? Tell us

How the calculator works

  1. What you own: cash and savings, KiwiSaver, other investments, your home, vehicles and anything else of value, at what each is worth today.
  2. What you owe: your mortgage, car loans, student loan, credit cards and other debts.
  3. Net worth is the difference. The calculator also shows your home equity (home value less mortgage), your net worth without your home, and the cash and investments you could reach without selling your home or touching your KiwiSaver.

Example

With $10,000 in savings, $40,000 in KiwiSaver, $5,000 in shares, a $750,000 home and a $15,000 car, you own $820,000. With a $550,000 mortgage, a $10,000 car loan, a $20,000 student loan and $2,000 on a credit card, you owe $582,000. Your net worth is $238,000: $200,000 of home equity and $38,000 besides.

What to include

  • Include: everyday and savings accounts, term deposits, KiwiSaver, shares and managed funds, your home and other property, and cars at their resale value. Buy now pay later balances count as debts.
  • Leave out: everyday belongings like furniture and electronics, which are worth far less used, and your future NZ Super.

Learn more

See our budget calculator to free up money to save, the debt payoff calculator to clear what you owe, and the KiwiSaver calculator to plan for retirement.

Last updated

Frequently asked questions

What is net worth?

Everything you own minus everything you owe. If your savings, KiwiSaver, home and car are worth $820,000 and your mortgage and loans add up to $582,000, your net worth is $238,000.

Should I include my home in my net worth?

Yes, at what it would sell for today, with the mortgage as a debt. But you can’t spend your home without selling it, so the calculator also shows your net worth without it.

Should I count my KiwiSaver?

Yes, at today’s balance. You can’t usually take it out until 65, except for your first home or in hardship, so the calculator doesn’t count it in the cash and investments you could use now.

Should I include my student loan?

Yes. It’s interest-free while you live in New Zealand, but it’s still money you owe and repay from your pay.

How often should I work out my net worth?

Once or twice a year is plenty. The trend matters more than the number, and markets and house prices move it from month to month.