Net Worth Calculator (Canada)

Estimate your net worth by adding assets and subtracting debts. See totals, category breakdown, and charts.

Inputs

Assets (CAD)
Cash, chequing, short-term cash balance.
Savings accounts, high-interest savings, cash equivalents.
Brokerage, ETFs, stocks, mutual funds (taxable).
Total TFSA market value.
RRSP, employer pension accounts (your balance).
Estimated market value of your primary residence.
Cars, motorcycles, other vehicles (estimated resale value).
Business equity, collectibles, other valuables (optional).
Liabilities (CAD)
Remaining mortgage principal on your home.
Remaining auto loan principal.
Total credit card balances.
Government and private student loan balances.
Personal LOC / HELOC balance.
Medical bills, family loans, other liabilities.
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Tip: Use conservative estimates for asset values. For long-term progress, track net worth monthly or quarterly.

Results

Net worth

$0

Total assets

$0

Total liabilities

$0

Debt-to-asset ratio

0.0%

Breakdown by category (rounded). Use this to spot the biggest drivers of your net worth.
CategoryAmountShare
Enter your numbers and click Calculate to see results.
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Assets vs liabilities

A quick snapshot of totals.

Assets by category

Where your value is concentrated.

How to use

  • Fill in your assets (cash, TFSA/RRSP, home value, vehicles) and your debts (mortgage, loans, credit cards).
  • Click Calculate to see your net worth, totals, and category breakdown.
  • Update your numbers monthly or quarterly to track progress over time.

To build your savings plan, pair this with the 50/30/20 Budget Calculator (USA). For growth projections, use the Investment Growth Calculator (Canada) and the TFSA Growth Estimator (Canada).

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Net worth calculator (Canada): track what you own vs what you owe

Net worth is one of the simplest personal finance metrics: it’s the value of your assets minus your liabilities. Assets can include cash, savings, TFSA and RRSP balances, investments, home equity, and vehicles. Liabilities include mortgage balances, credit cards, lines of credit, and other loans. Tracking net worth helps you understand whether you’re building financial stability over time, even if your income changes or your expenses vary month to month.

This calculator gives you a clean snapshot of where your net worth comes from. The breakdown table highlights the biggest categories so you can see what matters most (for example, home equity vs retirement accounts vs consumer debt). If you want to translate this snapshot into next steps, a monthly budget can help you increase contributions, reduce high-interest debt, and build an emergency buffer.

For a tax-focused planning angle in Canada, you may also want to estimate how RRSP contributions affect refunds using the RRSP Tax Refund Calculator (Canada), or understand take-home income with the Salary After Tax Calculator (Canada).

FAQ

Related calculators

Investment Growth Calculator (Canada) Project growth with contributions and compounding over time. TFSA Growth Estimator (Canada) Estimate TFSA growth with contributions and compounding. RRSP Tax Refund Calculator (Canada) Estimate how RRSP contributions may affect your tax refund. Salary After Tax Calculator (Canada) Estimate take-home pay to plan saving and debt payoff.