Investment Calculators · Canada
Net worth.
Track every asset and liability to land on your total net worth, with an asset-category breakdown and a debt-to-asset ratio reading.
Net worth is everything you own (assets) minus everything you owe (liabilities). This calculator totals the assets and debts you enter, shows the split by category and gives a debt-to-asset ratio.
Method: a standard formula, shown on this page. No government rate or table is used.
Cite this page: TNAADO Tools, “Net Worth Calculator”, https://tools.tnaado.ca/calculators/investment/net-worth/
Assets & liabilities
Financial summary
Fill the form and press Calculate.
Why track net worth
Net worth is the cleanest signal of your financial trajectory. Recalculate quarterly. The two levers are growing assets (especially in tax-sheltered accounts) and reducing high-interest debt. A debt-to-asset ratio at or below 30% is healthy; above 60% is a flag to focus on payoff.
Worked example: a household with a house, savings and debts
Enter $3,000 in chequing, $15,000 in savings, a $60,000 RRSP, a $25,000 TFSA, a $650,000 home and a $22,000 vehicle. Against them put a $420,000 mortgage, a $12,000 car loan, $4,000 on credit cards and $8,000 of student loans. The calculator adds the assets to $775,000 and the liabilities to $444,000, so net worth is $775,000 − $444,000 = $331,000. The debt-to-asset ratio is $444,000 ÷ $775,000 = 57.3%.
| Category | Share of assets | Amount |
|---|---|---|
| Cash and savings | 2.3% | $18,000 |
| Investments (RRSP, TFSA) | 11.0% | $85,000 |
| Real estate | 83.9% | $650,000 |
| Vehicles | 2.8% | $22,000 |
- One asset can dominate. Real estate is 83.9% of the assets here, so a $50,000 fall in the home’s value (to $600,000) lowers net worth from $331,000 to $281,000 and lifts the debt-to-asset ratio from 57.3% to 61.2%.
- The labels are the page’s own bands, not an official standard: at or below 30% it says “excellent financial health,” up to 60% “moderate debt level,” and above 60% “high debt level.” The example moves from “moderate debt level” to “high debt level - focus on repayment” on that $50,000 change.
Next steps: see whether your savings are on track with the retirement calculator, work out an early-retirement number with the FIRE calculator, or plan debt repayment with the debt snowball calculator.
How this is calculated
- Total assets = the sum of every asset field (cash and savings, investments, real estate, vehicles, business and other assets).
- Total liabilities = the sum of every debt field (mortgages, HELOC, car loans, student loans, credit cards, personal loans and other debts).
- Net worth = total assets − total liabilities. Debt-to-asset ratio = total liabilities ÷ total assets × 100.
The calculator is pure arithmetic on the numbers you enter, so no external source or rate is involved (page behaviour checked 1 October 2026). It takes every value at face: an RRSP is not reduced for the tax due on withdrawal, a home is not reduced for selling costs, and a defined-benefit pension should only be included if you can put a defensible figure on it. The ratio bands are the page’s own labels rather than a regulatory or industry standard.
A snapshot for personal planning, not financial advice. Values you enter, especially for property and a business, are estimates.
TNAADO Inc. · Toronto
One number, and what it is not
Net worth is assets minus liabilities at a single point in time. It is the cleanest measure of financial position and a poor measure of financial health, because it says nothing about liquidity or cash flow. A household with $800,000 of home equity and $2,000 in a chequing account has a strong net worth and a fragile month.
The mistake people make. Valuing assets at what you hope they are worth and liabilities at last year’s balance. Use what an asset would realistically sell for after costs, and include everything owed: mortgage, HELOC balance, car loan, cards, and tax owing on registered accounts. An RRSP is not net worth at face value, because the tax due on withdrawal is a real liability that simply has not been billed yet.
Frequently asked questions
How do I calculate my net worth?
Add up everything you own (assets) and subtract everything you owe (liabilities). In the example, $775,000 of assets less $444,000 of debts is $331,000.
What should I count as an asset?
The calculator has fields for cash and savings, registered and non-registered investments, a pension, your home and other property, vehicles, a business and other assets. Use current market values rather than what you paid, and be cautious with values that are hard to realize, such as a business.
Does net worth account for tax on my RRSP or selling costs on my home?
No. Values are taken at face. An RRSP is generally taxable when withdrawn and selling a home has costs, so your spendable net worth is lower than the figure shown.
What does the debt-to-asset ratio mean?
It is total liabilities divided by total assets: 57.3% in the example. The page labels 30% or less as excellent, up to 60% as moderate and above 60% as high; those bands are the page’s own guide, not an official benchmark, so use the number as a trend rather than a verdict.
How often should I recalculate it?
The page suggests quarterly, which is enough to see a trend without reacting to short-term market moves. Use the same sources for each value each time so the changes are comparable.
Disclaimer
Educational only. Use realistic current market values for property and vehicles, not original purchase prices.