Net worth calculator

Knowing your net worth is important to assessing your financial situation and achieving your financial goals. This net worth calculator helps you work out if what you own outweighs what you owe and therefore helping you to check out how good you are at managing your wealth.

Gross annual salary
Annual extra income from savings and investment
Gross annual expenses
Income tax
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Assets

Liquid assets

Cash

(Please input the value in the text box.)

Savings account

(Please input the value in the text box.)

Current account

(Please input the value in the text box.)

Fixed deposit

(Please input the value in the text box.)

Other liquid assets

(Please input the value in the text box.)

Investment assets

Investment properties

(Please input the value in the text box.)

MPF / ORSO / Retirement fund

(Please input the value in the text box.)

Cash value of life insurance

(Please input the value in the text box.)

Funds

(Please input the value in the text box.)

Stocks

(Please input the value in the text box.)

Bonds

(Please input the value in the text box.)

Other investment assets

(Please input the value in the text box.)

Personal assets

Residential property

(Please input the value in the text box.)

Jewellery, watches and other accessories

(Please input the value in the text box.)

Car

(Please input the value in the text box.)

Other assets for personal use

(Please input the value in the text box.)

Liabilities

Outstanding mortgage loan

(Please input the value in the text box.)

How much is your monthly repayment
on this mortgage loan?

(Please input the value in the text box.)

The amount you entered in "Your monthly repayment" must be lower than or equal to that in "Your loan balance"
Outstanding car loan

(Please input the value in the text box.)

How much is your monthly repayment
on this car loan?

(Please input the value in the text box.)

The amount you entered in "Your monthly repayment" must be lower than or equal to that in "Your loan balance"
Outstanding credit card

(Please input the value in the text box.)

Outstanding overdraft

(Please input the value in the text box.)

Other loan(s)

(Please input the value in the text box.)

How much is your monthly repayment
on these loans?

(Please input the value in the text box.)

The amount you entered in "Your monthly repayment" must be lower than or equal to that in "Your loan balance"

Total assets: HKD 900,000,000

Total liabilities: HKD 900,000,000

Your total net worth: HKD HKD 900,000,000

Check how good are you at managing your wealth Reset

How good are you at managing your wealth?

There are many indicators that help illustrate your wealth management status; some key elements are your emergency fund, debt management and money management.

Emergency fund
Money management
Debt management
Need attention Under control

Emergency funds

Your liquidity ratio 1

Please click “back” below to input your income and expenses.

The liquidity ratio is calculated by dividing your liquid assets by monthly expense. This ratio can be interpreted as having sufficient funds reserved for emergency use when unexpected event occurs. It is recommended that your emergency fund should cover between three to six months of your living expenses. If your liquidity ratio is below 3, it means that your emergency fund may not be adequate to meet your needs. You should consider saving more; or accessing an emergency fund from other sources such as family members.

Debt management

Your debt servicing ratio 40%

Please click “back” below to input your income and expenses.

Debt servicing ratio is the percentage of your gross monthly income that goes towards paying debts and is calculated by dividing your monthly liabilities by your gross monthly income. It is essentially the ratio of your monthly debt obligations to your monthly income. Monthly debt obligations include all monthly repayments of all debt obligations (eg mortgage loans and all other personal loans). The lower the debt servicing ratio you have, the better your debt management status is.

Debt can be a growing problem if not managed properly. Even if you just owe a little, always make payments on time to keep your debt under control. Additional interest and /or penalty charges can add up quickly if you get behind on repayments.

You can consider managing your debts with the following options:

  • Consider reducing the total outstanding debt and interest you have to pay. The repayment period will be shortened and amount of total interest to be paid will be smaller if your monthly payment amount is higher.
  • Pay off your debt as much as you can each month, at least pay the minimum you owe on each loan as this will protect your credit score. If you can afford paying more, pay the loan with the highest interest rate first.
  • Consider consolidating your loans, lines of credit and credit card balances into a single loan with a set repayment schedule.
  • Tell your lender that you’re experiencing financial difficulty. Sometimes, you may be able to extend the term of a loan or arrange to postpone repayments for a temporary period.

Money management

Your monthly savings ratio 80%

Please click “back” below to input your income and expenses.

Savings ratio is the proportion of income which has been saved and is calculated by dividing your monthly surplus by your monthly income. The higher the savings ratio you have, the better your money management status is. Whatever your age or circumstances, it is good practice to work out your goals and start saving as early as you can.

Here are some tips helping you to save money and budget better:

  • Reduce non-essential expenses.
  • Shop around to compare prices at different retail outlets, online and offline.
  • Start a spending diary or use our expense tracker mobile apps to keep track of your spending habits.
  • Avoid impulse buys. Try to stick to the items on your shopping list.

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