Net Worth Calculator

About the Net Worth Calculator

Net worth is simply what you own minus what you owe — cash, investments, your pension pot and property value, minus your mortgage balance and any other debt. This is a one-time snapshot, not a tracker: nothing is saved, nothing leaves your browser, and there's no account to make one.

How it works

Enter each asset category you hold (cash and savings, investments, pension, property value, anything else of value) and each liability (mortgage balance, other loans, credit card debt). Total assets minus total liabilities is your net worth, with a breakdown of what your assets are actually made up of.

Frequently asked questions

Should I use my pension pot at its current value?

Yes — use the current value shown on your latest pension statement, not a projected retirement value. Net worth is a snapshot of today, not a forecast.

How do I value my property?

A realistic current market value — what it would sell for today, not what you paid for it or what you think it's worth. A recent Myhome.ie or Daft.ie estimate, or a formal valuation, both work.

Is a negative net worth unusual?

No — it's common early in adulthood, right after buying a home (before much equity builds up), or after a big life event. Net worth is a snapshot to track a direction over time, not a single pass/fail number.

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Figures are estimates for informational purposes only, based on the assumptions you enter, and are not tax advice. Consult a tax advisor or Revenue.ie before making financial decisions.