Comprehensive Calculator Guide
Net worth is what would be left if you sold everything you own and paid off everything you owe: total assets minus total liabilities. A family with a SAR 900,000 home, a SAR 600,000 mortgage, savings, investments, a car and small loans might be worth SAR 485,000. Fill in only what applies to you.
What counts, and how to read it
Assets are cash, investments, property at today's market value, cars at what they would sell for, and valuables. Liabilities are the mortgage balance, personal and car loans, credit cards and other debts.
A negative net worth is common early in a career. What matters is the trend: work it out on the same date each year, and watch the debt-to-assets ratio fall.
How to Use
- 01Enter what you own.
- 02Enter what you owe.
- 03Read total assets, liabilities, net worth and the debt ratio.
Formula Used
Net worth = total assets − total liabilitiesPractical Examples
Example 1
Assets SAR 1,130,000, liabilities SAR 645,000: net worth SAR 485,000, debt 57% of assets.
Example 2
Cash 15,000 and a car worth 70,000 against 88,000 of debt: −3,000.
Important Tips
- Value cars at today's resale price.
Common Mistakes to Avoid
- Using purchase prices for property and cars.
Frequently Asked Questions
- How do I calculate net worth?
- Add up what you own and subtract what you owe.
- Is a negative net worth bad?
- It is common early on; the trend matters most.
- Do I include my home?
- Yes, at market value, minus the mortgage.