Net worth calculator
Add up what you own and what you owe. See one figure and a split by category.
Your assets and liabilities
Empty lines count as R0. Leave a line blank if it does not apply.
Use a municipal valuation or a market estimate if you do not have a sale price.
Results
Enter what you own and what you owe, then press Calculate.
These figures are estimates, not National Credit Act disclosures and not financial, legal, or debt-review advice. Speak to an NCR-registered counsellor before you make decisions.
How the estimate works
The formula
Net worth is total assets minus total liabilities, in whole rands.
A negative figure
If you owe more than you own, the result is negative. That is a fact on these numbers, not a scare.
Hard-to-value assets
For a home, use a municipal valuation or a market estimate if you do not have a sale price.
Common questions
What is net worth?
What you own minus what you owe. This page does not subtract monthly living costs.
Why are there two vehicle lines?
One is what the vehicle is worth. The other is what you still owe on it.
Is this an NCA disclosure or advice?
No. The figure is an estimate. It is not a National Credit Act disclosure and not a recommendation to take on or restructure debt.
Continue with a useful next step
- Build a household budget
Use your income and actual spending to plan a manageable month.
- Check your full household budget
See what is left after living costs and debt repayments.
- Paying off debt yourself
Compare a repayment order with what your household can afford.
- Choose another money tool
Find a calculator for interest, spending, savings or repayment planning.