Net Worth Calculator for Canadians 2025

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Set up direct deposit and skip the monthly fee. Free to open, and the Easy plan has no monthly fee. Worth doing if you will actually move your pay or your CRA deposits over, not if the card sits unused. Code BREMO2026.

See how it works

Assets minus liabilities • Includes all account types • Instant calculation

Your net worth is the most important number in personal finance — it's a snapshot of your total financial health. Calculate it by adding up everything you own (assets) and subtracting everything you owe (liabilities).

Net Worth Calculator

Assets (What You Own)

Chequing & Savings ($)

TFSA ($)

RRSP ($)

Non-Registered Investments ($)

Home / Real Estate Value ($)

Vehicle Value ($)

Pension / DCPP Value ($)

Other Assets ($)

Liabilities (What You Owe)

Mortgage Balance ($)

Car Loan ($)

Credit Card Balances ($)

Student Loans ($)

HELOC / Line of Credit ($)

Other Debts ($)

Average Canadian Net Worth by Age

Under 35: ~$100,000 median
35–44: ~$280,000 median
45–54: ~$520,000 median
55–64: ~$850,000 median
65+: ~$900,000+ median

Source: Statistics Canada Survey of Financial Security (approximate figures). Real estate makes up a large portion of net worth for most Canadians.

How to Grow Your Net Worth

Pay down high-interest debt first
Maximize TFSA and RRSP contributions annually
Increase your savings rate with each pay raise
Avoid lifestyle inflation as income grows

Free Banking to Help You Reach Your Financial Goals

Once you know your numbers, start acting on them. KOHO offers free banking with no monthly fees. Use code BREMO2026 for a bonus when you open your account.

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