Net worth is everything you own minus everything you owe. It is the single figure that shows whether you are building wealth over the years, even when your income stays the same.
Pension savings count, but you cannot spend them before retirement (or buying a home), so the calculator also shows your net worth without them: that is the part you could actually use.
How to use it
Use market values: what your home or your funds would fetch today, not what you paid.
Include every debt: mortgage, car leasing, consumer loans, credit card balances.
Work it out once a year, on the same date, and compare.
Frequently asked questions
Is a negative net worth bad?
At the start of a career, with a study loan or a new mortgage, it is common. What matters is the direction: it should grow year after year.
Should my home count?
Yes, at a realistic market value, with the mortgage on the other side. It is wealth, but you cannot spend it without selling or borrowing against it.
Where do I find my pension savings?
On your pension fund certificate and your third-pillar statements, usually sent once a year.
Indicative results. This is not financial advice.
Know how much you will have left at the end of the month
Works without your bank: we never ask for your bank passwords.