Net worth = total assets - total liabilities. It reflects your true financial position.

How to increase net worth?

Grow assets through saving and investing, reduce liabilities by paying off debts.

Should net worth be positive?

Not necessarily at first. What matters is that it improves over time.

Net Worth Calculator

Net Worth Calculator: Know Your True Financial Position

Net worth is the clearest picture of your financial situation: everything you own minus everything you owe. This number gives you a clear starting point for any financial plan.

Net Worth Formula

**Net Worth = Total Assets − Total Liabilities**

Asset Classification

Liquid Assets (can be converted to cash quickly) - Cash on hand and current accounts - Savings certificates and savings accounts - Stock portfolio and mutual funds - Gold and precious metals

Illiquid Assets - Real estate (apartments, land, shops) - Cars and vehicles (depreciate over time) - Business (valued at fair market value) - Expected pension and end-of-service gratuity

Liability Classification

**Mortgage loans:** Remaining loan balance
**Car loans:** Remaining balance
**Credit card debt:** Full outstanding balance
**Personal loans:** Remaining balance
**Any other debts:** To family or friends

Do not forget to include informal debts (what you owe family or friends) in your liabilities.

How Do I Value My Property or Business?

Value your property at the price it can actually be sold for now (not your purchase price). Consult a real estate broker. For a business, fair value = annual net profit × an appropriate sector multiple (usually 3–7 times).

What Is a Good Net Worth in Egypt?

There is no universal ideal number — what matters is the trend. Is your net worth increasing annually? That is a financial health indicator. A person with a positive and growing net worth is on a healthy track regardless of the absolute amount.

FAQ

Should I calculate net worth regularly?▼

Yes, at least once a year (quarterly is better). Comparing periods shows you the trend of your wealth and helps you adjust your financial plan.

Should I include my car as an asset?▼

Yes, but at its current market value (what you can sell it for today), not its purchase price. Cars typically lose 10–20% of value annually.

What if my net worth is negative?▼

This is common especially early in life or after a large loan. What matters is moving toward a positive value. Focus on reducing debt and building assets step by step.

Should my pension be included in assets?▼

It can be included as an asset at the present value of future payments. However, many prefer to exclude it since it is not quickly convertible. Both approaches are valid as long as you disclose your methodology.

Should I value my apartment at market price or purchase price?▼

Always at current market value (fair value). Value it at the price it can be sold for today, and consult a real estate broker for an accurate estimate.

Net Worth Calculator

Assets

Liabilities

Net Worth