What am I actually worth — assets minus debts? List what you own and what you owe, and this calculator adds up your total assets, your total liabilities and your net worth, plus your debt-to-assets ratio and the liquid assets you could reach quickly.
Work out your net worth
Assets — what you own
Liabilities — what you owe
Your numbers never leave your browser.
How to use this calculator
Enter what you own at its current value — your home, other real estate, RRSP, TFSA, non-registered investments, FHSA, bank accounts, vehicles and anything else of value. Then enter what you owe — mortgage, HELOC or line of credit, car loan, credit cards, student loans and other debts. Every field is optional and a blank counts as $0. Press “Calculate my net worth” to see your totals.
Frequently asked questions
What is net worth?
Net worth is everything you own minus everything you owe. It is a snapshot of your financial position on one day — not your income, and not a judgement about how well you are doing.
Can my net worth be negative?
Yes. If your debts are larger than your assets, your net worth is negative. The calculator shows it plainly, in red. It is common early in a career, when a mortgage or student loans are large and savings are still small.
What are liquid assets?
Liquid assets are the money you can reach quickly without selling a home or a vehicle: bank accounts, TFSA, non-registered investments and FHSA. Your home and vehicles count toward net worth, but they are not liquid.
What is the debt-to-assets ratio?
It is your total liabilities divided by your total assets, shown as a percentage. A lower percentage means less of what you own is financed by debt. A ratio above 100% means you owe more than you own.
Should I use the value of my home or what I paid for it?
Use a realistic current value — what a similar home in your area would sell for today, less selling costs if you want to be conservative. Using the price you paid years ago would understate or overstate your wealth.
How often should I check my net worth?
Once or twice a year is enough for most people. Checking too often makes normal swings in investment values feel bigger than they are; checking yearly shows the trend.
Methodology and sources
Methodology: Total assets are the sum of home value, other real estate, RRSP, TFSA, non-registered investments, FHSA, bank accounts, vehicles and other assets. Total liabilities are the sum of mortgage, HELOC or line of credit, car loan, credit cards, student loans and other debts. Net worth is total assets minus total liabilities, and it may be negative. Debt-to-assets is total liabilities divided by total assets, shown as a percentage. Liquid assets are bank accounts plus TFSA plus non-registered investments plus FHSA.
Methodology verified November 11, 2026.
How we keep this calculator honest: The totals are checked against hand-calculated examples, including $1,067,500 of assets and $529,700 of liabilities, giving a net worth of $537,800, a debt-to-assets ratio of 49.6% and liquid assets of $75,500.
Your numbers never leave your browser. This calculator runs entirely in your browser — nothing you enter is sent to us or stored.
General information only — not financial advice.
Related tools
Grow the savings side of your net worth with a Budget Calculator plan, compare where to hold your investments with the RRSP vs TFSA Calculator, and shrink the debts side with the Debt Payoff Calculator.