Net Worth Calculator

This net worth calculator will allow you to gauge your net worth and summarise your assets and liabilities in one place. Many different types of assets contribute positively to one’s net worth and in New Zealand, the most common asset would be property investment. However, many other asset types are often overlooked such as term deposits, shares value, debts owed to you, vehicles, Kiwisaver, and many others. Liabilities are easier to quantify as they are usually in the forms of loans such as mortgages, student loans as well as debts such as credit card debts and taxes owed to the IRD. This net worth calculator will help you quantify your current financial situation and allow transparency over areas that you are doing well in and others that you may need to address.

Assets

Cash

Cash on hand

$

Cheque account cash balance

$

Deposit certificates

$

Foreign currency

$

Life insurance cash out value

$

Savings account cash balance

$

cash subtotal

$

Entities

Businesses at market sale value

$

entities subtotal

$

Debts Owed

Debts owed to you at likely payback value

$

debts owed subtotal

$

Investments

Bonds (i.e. government, council, company)

$

Derivatives (i.e. futures)

$

Managed funds (i.e. trust value)

$

Other investments (i.e. domains, cryptocurrency)

$

Peer to Peer lending (i.e. Trademe Harmoney)

$

Shares (i.e. shares in company, business)

$

Term deposits (i.e. 6 month deposit)

$

investments subtotal

$

Property

Antiques at market value

$

Art and collectibles at market value

$

Commercial real estate market value (i.e. office buildings)

$

Furnishings

$

Industrial real estate market value (i.e. factories)

$

Jewellery and personal belongings at market value

$

Residential real estate market value (i.e. houses)

$

Vehicles at market value

$

property subtotal

$

Retirement

Kiwisaver current value

$

Foreign pension value

$

retirement subtotal

$

Unclassified

Any other assets (i.e. accounts receivable and notes)

$

unclassified assets subtotal

$

Total ASSETS

$

Liabilities

Commercial property mortgage total loan value

$

Consumer and standard loans total value

$

Credit card debt total balance value

$

Debts owed to others at likely payback value

$

Industrial property mortgage total loan value

$

Residential property mortgage total loan value

$

Student loans total value (i.e. student loan owed to IRD)

$

Taxes owed full value (i.e. money owed to IRD)

$

Vehicle loans total loan value

$

Any other liabilities (i.e. accounts payable to others)

$

liabilities subtotal

$

Total LIABILITIES

$

NET WORTH

$

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