Net worth calculator
Add up what you own and what you owe to see your net worth and where it sits. There's nothing to sign up for, and nothing you type leaves your browser.
Your result
- What you own
- $595,000
- What you owe
- $268,000
- Your net worth
- $327,000
What you own
- Property$400,00067%
- Retirement funds$120,00020%
- Investments$40,0007%
- Vehicles$25,0004%
- Cash & savings$10,0002%
What you owe
- Home loan$250,00093%
- Vehicle finance$15,0006%
- Credit cards$3,0001%
An estimate to help you think it through, not financial advice. For advice about your situation, speak to an accredited financial adviser.
Coming soon: partner with one of our accredited advisers.
How it's worked out
Your net worth is everything you own minus everything you owe. Each figure counts at the value you enter, using the same rules as the Julula app:
- Property at its market value.
- Vehicles at their trade-in value.
- Retirement funds at their full fund value, with no deduction for tax.
- Loans and credit cards at the full balance owed, not the monthly or minimum payment.
Each category's share is a whole-number percentage of its own side: a part of what you own as a share of everything you own, a debt as a share of everything you owe. Because each is rounded, they may add up to 99% or 101%. A real amount that rounds to 0% shows as "<1%". The sums use exact cents; only the figures on screen are rounded, to whole dollars (or pounds, euros or rands).
The example on this page
| Property | $400,000.00 |
|---|---|
| Retirement funds | $120,000.00 |
| Investments | $40,000.00 |
| Vehicles | $25,000.00 |
| Cash & savings | $10,000.00 |
| What you own | $595,000.00 |
| Home loan | $250,000.00 |
|---|---|
| Vehicle finance | $15,000.00 |
| Credit cards | $3,000.00 |
| What you owe | $268,000.00 |
Net worth: $595,000.00 − $268,000.00 = $327,000.00, shown as $327,000. Property is $400,000 ÷ $595,000 = 67.23% of what you own, shown as 67%; the credit card is $3,000 ÷ $268,000 = 1.12% of what you owe, shown as 1%.
What it leaves out
It's a snapshot of one day. It doesn't know how your figures change over time, which loan belongs to which house or car, or anything about income and spending. Amounts in different currencies aren't converted: pick one currency and enter everything in it.
Sources
No official figures are used: the result comes only from the amounts you enter, added up with Julula's own calculation rules. Last checked on 21 October 2026.
Who's behind Julula
Julula is made by a small team with more than 15 years of building software and just as long working in investments and data. We built this calculator with the same rules we use in Julula, the tool we use for our own money.
Questions
What is net worth?
Everything you own (your home, car, savings, investments and retirement funds) minus everything you owe (your home loan, car finance, credit cards and other loans). It's the clearest single measure of where you stand financially, and watching it over time shows whether you're moving forward.
What value do I use for my home and my car?
For your home, its market value: roughly what it would sell for today, not what you paid. For a car, its trade-in value, which is usually lower than the price a dealer would ask for it.
Do retirement funds count?
Yes. Pensions and other retirement funds count at their full value, with no deduction for tax, even though you usually can't reach most of the money until you retire.
Can my net worth be negative?
Yes. If you owe more than you own, your net worth is below zero. That's common early on, for example with a student loan or a new car on finance, and it's the starting point to measure your progress from.
Is what I type saved anywhere?
No. The sums are worked out in your browser. Nothing you type is sent to us or stored, and this page sets no cookies. If you close or reload the page, your figures are gone.
See how it changes over time
Want to see this next to everything else you own, and how it changes month by month? Julula keeps your figures for you and works out your net worth every month. It's in private early access. See the Net worth tracker.
Get early access
Leave your email address and we'll let you know when you can join. Your figures from this page aren't sent with it.