Calculate net worth
Your net worth is everything you own minus everything you owe: savings, investments, your home and other assets, minus your mortgage and other debts. Enter your amounts; everything is calculated in your browser.
Example calculation. A pension with a pension fund is not included here, because you cannot access it now.
Why track your net worth?
One number shows whether you are moving forward financially: saving, repaying and a rising home value all count. By noting it every month you see the direction, not just today's position.
Frequently asked questions
What is net worth?
Everything you own minus everything you owe. It can be negative, for example with a student loan or a mortgage higher than the value of your home.
Does my home count?
Yes, the value of your home counts as an asset and your mortgage as a debt. The difference is your home equity. Because you cannot simply spend it, we also show your wealth outside your home.
Does my pension count?
Not in this calculator. You cannot withdraw a pension with a pension fund now. If you want to include it anyway, add it to other assets.
How often should you track it?
Once a month is enough to see the direction. Scotis does this automatically with prices and your repayment schedule.
Track it automatically
In Scotis you see your net worth updated every day, with prices, your repayment schedule and a chart over time. Encrypted on your own device.
Updated on 7 November 2026.