Net Worth Calculator

Net worth is a snapshot of your balance sheet on one day. The calculator adds your assets, adds your liabilities, and subtracts. It then shows three views that a single number hides: how much of your wealth is liquid, how heavily it is borrowed against, and what it is made of.

Value every asset at what it would fetch today, not what you paid, and every debt at what you would owe if you cleared it today. PSX shares are in your Investify portfolio, and the gold calculator shows the live rate that the gold field here uses.

A household owns cash of Rs 750,000, shares of Rs 2.5 million, mutual funds of Rs 1.2 million, gold worth Rs 2.4 million, a home worth Rs 18 million and a car worth Rs 2.2 million. It owes Rs 6.5 million on the home loan, Rs 900,000 on the car and Rs 120,000 on credit cards. Total assets are Rs 27,050,000 and total liabilities Rs 7,520,000, so net worth is Rs 19,530,000.

The net worth looks comfortable, yet liquid net worth is negative because the loans are larger than the cash, shares, funds and gold. The home loan is counted in full even though the house it is secured on is not in the liquid figure, so this view is deliberately strict: wealthy on paper, tight in an emergency. Seeing both numbers is the point.

The mix bar shows what your wealth is made of, one colour for each kind of asset; the table above folds the smaller ones into "Other". A mix that is over 70% property is common in Pakistan, and it means little of your wealth produces monthly income or can be sold quickly. A mix that is mostly shares carries more day-to-day swings. There is no single right split; the useful question is whether it matches when you will need the money.

• Short-term needs (under three years): cash and savings certificates. Size them with the emergency fund calculator.
• Long-term goals (retirement, children's education): shares, funds and a pension account. The retirement calculator shows how much.
• Religious obligations: cash, gold, silver, shares held for trade and savings above the nisab may attract zakat. See the zakat calculator.

• Gold: tolas × the rate per tola × purity. Jewellery usually sells for less than the bullion value because of making charges and deductions, so use a jeweller's buy-back quote if you want a cautious figure. The calculator prefills the live 24K rate (22K gold uses the live 22K quote) and lets you replace it.
• PSX shares: the market value at the latest close, for every holding in your CDC account and sub-accounts. Your portfolio on Investify adds it up for you.
• National Savings and bonds: the face value plus profit you have earned and could encash today, before any early-encashment deduction.
• Property: a realistic resale price from recent sales near you, not the government valuation and not the asking price. Count only your ownership share.
• Provident fund and gratuity: not cash today, but a real asset. If you want to count them, enter the fund balance under "Other assets" in More assets and debts. The provident fund calculator and the gratuity calculator show what each is heading for.

• Valuing property at the purchase price. Use a realistic current resale value, after any costs of sale you expect.
• Forgetting informal debts: money owed to family, committee (BC) instalments you still owe, pending bills and tax.
• Counting a business at what you hope it is worth. Use a conservative number, or leave it out of the liquid figure, as the calculator does.
• Mixing assets that belong to the family with your own. Count only your share.
• Ignoring the trend. One reading means little; comparing the same list every year shows whether your net worth is growing faster than inflation.