Net Worth Calculator: What is Your Net Worth?
- Enter your assets and liabilities in the calculator to instantly calculate your net worth.
- Compare your net worth with the latest Stats NZ data, included in the calculator.
Updated 5 May 2026
Net Worth Calculator
Add up everything you own, subtract everything you owe, and see your net worth. Compare to the NZ median for your age band.
Assets
Things you own
Total assets
$0
Liabilities
Things you owe
Total liabilities
$0
Your net worth
$0
Total assets minus total liabilities
How do you compare?
See your net worth against the NZ median for your age band.
Enter your assets and liabilities above to see how you compare.
Source: Stats NZ Household Economic Survey 2021, age-standardised individual median net worth, uplifted to 2024 levels using the 33% household-level growth in NZ median net worth from 2021 to 2024. Indicative only.
What is my net worth?
‘Net Worth’ is defined as the total value of your assets (property, investments and your bank balance, etc.) less your liabilities (mortgage, loans and other debts).
Any asset you own needs to be included, even if it would take some time to convert to cash. Your assets include your home and property, KiwiSaver, trust benefits, shares/investments, term deposits, your vehicles and anything else.
Liabilities tend to be easier work out due to the fact they’re debts – anyone you owe money to (mortgage lender, credit card provider, car finance, etc.) needs to be included.
Any asset you own needs to be included, even if it would take some time to convert to cash. Your assets include your home and property, KiwiSaver, trust benefits, shares/investments, term deposits, your vehicles and anything else.
Liabilities tend to be easier work out due to the fact they’re debts – anyone you owe money to (mortgage lender, credit card provider, car finance, etc.) needs to be included.
What are assets and liabilities?
Not everyone speaks ‘accountant’, so we’ve summarised assets and liabilities in plain English:
- Assets: Assets include cash items (i.e. everyday bank account, KiwiSaver funds, term deposits) and non-cash items (i.e. vehicles, property and shares) which you could sell for cash.
- Liabilities: Liabilities are debts. Anyone you owe money to is a liability. New Zealanders’ most common liabilities tend to be their mortgage, credit card balances, student loans and car finance. If you own a home, its current value is an asset and the mortgage owed is a liability.
What are the net worth figures of other New Zealanders?
Stats New Zealand releases net worth data every three years - our guide to net worth by age has the latest data.
