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Net Worth Calculator

Add what you own and subtract what you owe. See your total net worth, your liquid net worth, and how the two sides of your balance sheet compare. Everything stays in your browser.

Assets, what you own
$
$
$
$
$
$
Total assets$0
Debts, what you owe
$
$
$
$
$
$
Total debts$0
Total net worth
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Liquid net worth
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AssetsDebts

How this is calculated

Net worth is simply total assets minus total debts. Total net worth counts everything, including your home and vehicle. Liquid net worth is a stricter figure that counts only assets you could turn into cash quickly, cash, non registered investments and registered accounts, minus all your debts. It leaves out the home and vehicle, because you cannot spend part of a house in an emergency.

Reading your number honestly

A single snapshot matters less than the trend. Check back every few months and watch the direction. A negative net worth is common with a student loan or a fresh mortgage, and it is not a failure, it is a starting line. If most of your net worth is locked in a home, building the liquid side gives you real breathing room.

Next steps

Emergency fund calculatorTurn liquid net worth into a proper safety net target. Debt payoff calculatorShrink the debt side with a clear plan. Compound interest calculatorGrow the asset side over time. All calculatorsThe full set of free Bremo money tools.

Bremo is an independent Canadian personal finance resource, not an adviser. This tool is for general education and uses only the values you enter. Nothing is stored or transmitted.

Every field updates the result as you type. No signup, no email, no data leaves your browser.