Net worth calculator
Type what you hold in each place and what you owe. The result is today's net worth and how much of your assets is financed with debt.
- Total assets
- €211,000.00
- Total debt
- €124,500.00
- Debt over assets
- 59%
This is a simulation based on what you typed. It does not replace your books or your advisor.
Take it into your Fider accountHow to use it
- Fill each field with today's value. For the flat use a realistic market price, not what you paid.
- For debts enter the outstanding principal, not the monthly instalment.
- Read the net worth and the debt-over-assets percentage.
- Copy the link to repeat the calculation next month with the same fields.
What counts and what does not
Everything you could sell or collect counts: accounts, investments, crypto, property, vehicles and money owed to you. Future salary does not, and neither does your business unless it has a buyer.
The percentage that matters
Debt over assets above 70% means almost everything you own is financed. Not bad with a young mortgage, but worth watching it fall over time.
Do it monthly, not once
A single net worth figure says little. The monthly curve shows whether you are heading the right way. Fider takes that snapshot for you and prices investments and crypto live.
The result depends on the value you give each asset. A property without a recent appraisal is an estimate.
Frequently asked questions
What is net worth?
The difference between the value of everything you own (assets) and everything you owe (liabilities). It can be negative if you owe more than you own.
Does the car count as an asset?
Yes, at its current resale value, not what you paid. A ten-year-old car is worth what someone would give you for it today.
Does the whole mortgage subtract?
Subtract the principal you still owe. The flat adds at market value. The difference is your equity.
What about the VAT I owe as a freelancer?
If you are autónomo, VAT collected and not yet paid is a debt. Put it under loans or other debts so you do not fool yourself.
How often should I calculate it?
Once a month is enough. What matters is doing it the same way, with the same fields, so the series is comparable.