Net Worth Calculator
Add up your assets, subtract your debts, and see the picture of your finances. With ratios that tell you where you stand.
Assets
Liabilities
Assets breakdown
- Investments50%
- Vehicles30%
- Cash & savings20%
How to use
- 1
Fill in every asset you own — bank balances, investments, property at current market value, vehicles at resale value.
- 2
Fill in every debt — mortgage balance, car loan, credit cards, personal loans.
- 3
Leave anything blank that doesn't apply. The result shows net worth, debt-to-asset ratio, and a health label.
- 4
Track your net worth quarterly. The trend matters more than the absolute number.
Frequently asked questions
Net worth is a snapshot of what you could realistically convert to cash today. If you paid AED 1.5m for an apartment that's now worth AED 1.2m, the AED 1.2m is what counts. For cars, use a recent dealer trade-in quote or a Dubizzle estimate.
Yes — UAE end-of-service gratuity, pension fund balances, and overseas 401(k)/SIPP balances are all assets. They're locked up but they're yours.
Hard to benchmark because age, income, and lifestyle matter more than a single number. A common rule from US financial planners: net worth should be roughly age × pre-tax annual income ÷ 10. So at 35 earning AED 30k/month (AED 360k/year), that's a target of around AED 1.26m. Use it as one signal among many — not a verdict.
Total debt ÷ total assets, as a percentage. Under 25% is conservative, 25-50% is moderate, 50-75% is heavily leveraged, and over 75% means most of your 'assets' are really loans. People with mortgages often sit in the 50-70% range early on — that's normal.
Liphyr's calculators recalculate on every keystroke — so you can play with hypothetical scenarios. 'What if I cleared the car loan?' Just zero that field. The original numbers in your head don't change.
Help us improve this calculator
What's missing or wrong? What would make this more useful for you? Every suggestion lands in our inbox.
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Source: Standard accounting: net worth = total assets − total liabilities · Last verified 2026-06. This tool provides estimates only and is not legal, tax or financial advice. Always verify your specific situation with the relevant UAE authority or a licensed advisor before taking action.