Net Worth Calculator
Net worth = total assets minus total liabilities. Take stock of your finances in one view.
Input Data
Results
At a glance:Net worth is the difference between what you own and what you owe. Total assets = property + investments + cash + other assets; total liabilities = mortgage + other loans + credit card and other debt; net worth = total assets − total liabilities.
Formula
Total assets = property + investments + cash + other assets.
Total liabilities = mortgage + loans + credit card debt.
Net worth = total assets − total liabilities.
$$\text{NetWorth} = \text{TotalAssets} - \text{TotalLiabilities}$$$$\text{TotalAssets} = \text{Cash} + \text{Investments} + \text{Property} + \text{MPF}$$$$\text{TotalLiabilities} = \text{Mortgage} + \text{PersonalLoan} + \text{CreditCard}$$How to Use
- Enter the value of each asset group.
- Enter each liability (mortgage, loans, cards).
- Read the total assets, total liabilities and net worth.
FAQ
Should my MPF be included in net worth?
Yes, you can include it. The MPF accrued benefits are your asset and should be counted in total assets. But note that MPF is generally withdrawable only at age 65 (or under qualifying conditions), so it is a long-term, illiquid asset. If you want to know the funds you can use immediately, calculate a 'liquid net worth' that excludes MPF and property.
Should my home be counted as an asset?
Yes, but include the mortgage alongside it. Count the property's latest market value as an asset and the outstanding mortgage principal as a liability; the difference reflects the actual net worth the property gives you (your equity), avoiding an overstatement of your wealth.
How much net worth is considered healthy?
There is no absolute standard. A common rule of thumb is target net worth ≈ age × annual income ÷ 10. For example, at 40 with annual income of HK$600,000, the reference target is about HK$2.4 million. This is only a rough indicator; adjust it for living costs, family situation and financial goals. The key is whether your net worth keeps improving over time.
How do I increase my net worth?
Two directions: grow assets and reduce liabilities. Grow assets through steady saving, disciplined investing, and appreciating property and MPF; reduce liabilities by clearing high-interest debt first (credit cards, personal loans) and paying down mortgage principal on time. Controlling spending, living within your means, and avoiding unnecessary borrowing all raise net worth steadily over the long run.
What formula and data does this calculator use?
Net worth uses the accounting identity: net worth = total assets − total liabilities, consistent with the balance-sheet equation 'equity = assets − liabilities'. The personal-finance concepts follow the Investor and Financial Education Council (IFEC) resources, and household-wealth context can reference the Census and Statistics Department. Results are for estimation and planning only; please refer to the relevant authorities for the latest figures.
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References
Content review: Calculatorism Finance Team. Results are for reference only; please refer to the relevant authorities for the official figures.