GenzeeNet Worth Calculator
Add up everything you own and subtract everything you owe to get a clear snapshot of your net worth.
Your net worth
PKR 280,000
What you own, minus what you owe
How net worth is calculated
Net worth is simply total assets minus total liabilities: everything you own (cash, investments, property, vehicles) minus everything you owe (loans, credit card balances, other debts). It's a snapshot, not a judgment — a negative number just means liabilities currently outweigh assets, which is common early in a career or after a big purchase like education or a first home.
Why it's worth tracking over time
A single net worth figure tells you less than the trend does. Recalculating every few months shows whether your financial position is genuinely improving — which can be true even while a specific debt (like a mortgage) is still large, as long as it's shrinking and your assets are growing faster than any remaining liabilities.
What to leave out
Most people exclude the resale value of everyday possessions (furniture, electronics, clothing) since they're not realistically going to be sold to fund anything — including them tends to inflate the number without changing your actual financial flexibility.
Frequently asked questions
Should I include my car in net worth?
Most people do, using its current resale value (not what it cost new) as an asset, and any remaining car loan as a liability. It's optional — some people leave depreciating assets like cars out entirely to keep the number focused on financial assets.
Is a negative net worth bad?
Not necessarily — it's very common early on, especially with student loans or a recent mortgage. What matters more is the direction it's moving: is it improving release over release, not whether it's positive on any one snapshot.
How often should I recalculate?
Quarterly or twice a year is enough for most people — net worth moves slowly, and checking too often (especially with volatile investments) can be more stressful than useful.