Net Worth Calculator NZ

Add up what you own and what you owe, including KiwiSaver and your home, to see your net worth in New Zealand dollars.

Adjust your plan

Move the sliders or enter exact amounts.

What you own

Use today's balances and values.

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What you owe

Use the amounts still to repay.

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Your estimate

Updates instantly as your numbers change.

Your net worth

$387,000

Everything you own minus everything you owe.

Net worth without your home

$87,000

Leaves out your home and mortgage, which are hard to spend before you sell.

Assets and debts

$965,000 / $578,000

Total owned, then total owed.

How this calculator works

Net worth is everything you own minus everything you owe. This calculator also shows your net worth without your home and mortgage, because home equity is hard to spend before you sell or downsize.

Important assumptions

  • Values are what you enter today and are not checked against any account.
  • Your home value is your own estimate, before selling costs.
  • Amounts are in New Zealand dollars.

These results are general illustrations only and are not financial advice. Actual outcomes can differ.

Turn the estimate into a living plan

Fireball connects spending, savings, investments, property, debt, and KiwiSaver in one private financial independence plan.

Explore Fireball

Common questions

Terms explained

  • Net worth

    Net worth is everything you own minus everything you owe.

  • Asset allocation

    Asset allocation is how your investments are split between types such as shares, bonds, property and cash.

  • KiwiSaver

    KiwiSaver is New Zealand's voluntary workplace retirement savings scheme, generally locked until you turn 65.

  • LVR

    A loan to value ratio (LVR) is the size of a mortgage compared with the property's value. An 80% LVR means a 20% deposit.

  • Offset mortgage

    An offset mortgage links your savings and everyday accounts to your home loan, so you only pay interest on the loan balance minus those savings.

  • Open banking

    Open banking lets you securely share your bank data with apps you choose, without giving them your banking password.

See the full glossary