What you own minus what you owe

Net worth

Calculate your net worth by adding up your assets and subtracting your liabilities.

Formula

net worth = total assets − total liabilities

Assumptions

• Property and investment values are self-reported estimates, not appraisals or market valuations.

Frequently asked questions

Is a negative net worth unusual?
It's common, especially early in a mortgage or right after taking a car or study loan — your liabilities can exceed your assets for years before investments and equity catch up.

Should I include retirement accounts like EPF?
Yes — include EPF, unit trusts, stocks, and other retirement or investment accounts under "Investments" since they're assets you own.