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Net Worth Calculator

Estimate your total net worth based on your current assets (what you own) and liabilities (what you owe), and compare your results to other Canadian households.

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  • Assets What you own, including liquid assets like cash, investment assets such as securities, retirement assets including pensions and personal assets such as a home or a vehicle. Do not include leased assets, such as a vehicle you are leasing from a dealer.
    What you own, including liquid assets like cash, investment assets such as securities, retirement assets including pensions, and personal assets such as a home or a vehicle. Do not include leased assets, such as a vehicle you are leasing from a dealer. For joint assets, enter the amount attributable to you.
    Total assets:
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  • Liquid assets Assets you could easily access right away. These can be turned into cash (or liquidated) quickly.
    Assets you could easily access right away. These can be turned into cash (or liquidated) quickly.
    Total liquid assets: Total: $
  • The current balance in your chequing account(s), as well as the cash you have on hand. Do not include any cash balances you hold in investment accounts.
    The current balance in your chequing account(s), as well as the cash you have on hand. Do not include any cash balances you hold in investment accounts.
    $
  • The current balance in your regular, day-to-day savings account(s). Do not include cash you hold in investment accounts, RRSPs or TFSAs (input these amounts under “Investment assets”).
    The current balance in your regular, day-to-day savings account(s). Do not include cash you hold in investment accounts, RRSPs or TFSAs (input these amounts under “Investment assets”).
    $
  • Any other liquid assets that do not include those held in any investment or retirement account listed below.
    Any other liquid assets that do not include those held in any investment or retirement account listed below.
    $
  • $ Remove other field
  • Investment assets Assets in registered or non-registered investment accounts.
    Assets in registered or non-registered investment accounts.
    Total investment assets: Total: $
  • The Fair Market Value of investments held in your non-registered investment account(s), including any cash balances, fixed-term deposits, stocks, bonds, mutual funds and other securities. This may also include a valuation done by your tax accountant or lawyer of your medical professional corporation shares, however if a valuation is not available then the Fair Market Value of the corporation’s investment account should be included. Do not include any registered account balances (TFSAs) listed below.
    The Fair Market Value of investments held in your non-registered investment account(s), including any cash balances, fixed-term deposits, stocks, bonds, mutual funds and other securities. This may also include a valuation done by your tax accountant or lawyer of your medical professional corporation shares, however if a valuation is not available then the Fair Market Value of the corporation’s investment account should be included. Do not include any registered account balances (TFSAs) listed below.
    $
  • The Fair Market Value of investments in your tax-free savings account (TFSA), including any cash balances, stocks, bonds mutual funds and other securities.
    The Fair Market Value of investments in your tax-free savings account (TFSA), including any cash balances, stocks, bonds mutual funds and other securities.
    $
  • Investment assets not held in any of the accounts listed above or below.
    Investment assets not held in any of the accounts listed above or below.
    $
  • $ Remove other field
  • Retirement assets Your investments for retirement.
    Your investments for retirement.
    Total retirement assets: Total: $
  • The Fair Market Value of your registered retirement savings plan (RRSP), including any cash holdings, stocks, bonds, mutual funds and other securities. Do not include any assets held in a spousal RRSP.
    The Fair Market Value of your registered retirement savings plan (RRSP), including any cash holdings, stocks, bonds, mutual funds and other securities. Do not include any assets held in a spousal RRSP.
    $
  • The Fair Market Value of your locked-in retirement accounts (LIRAs) or locked-in RRSP. These funds would be from a pension plan from a previous employer.
    The Fair Market Value of your locked-in retirement accounts (LIRAs) or locked-in RRSP. These funds would be from a pension plan from a previous employer.
    $
  • The current balance in your spousal RRSP.
    The current balance in your spousal RRSP.
    $
  • The Fair Market Value of a defined contribution pension plan with your current employer. Do not include the value of any LIRAs or the estimated value of a defined benefit pension plan with your current employer.
    The Fair Market Value of a defined contribution pension plan with your current employer. Do not include the value of any LIRAs or the estimated value of a defined benefit pension plan with your current employer.
    $
  • The current balance in any other retirement account not listed above.
    The current balance in any other retirement account not listed above.
    $
  • $ Remove other field
  • Personal assets Non-financial assets that are often more difficult to turn into cash quickly, including your home, valuable items or objects of diminishing value like your car.
    Non-financial assets that are often more difficult to turn into cash quickly, including your home, valuable items or objects of diminishing value like your car.
    Total personal assets: Total: $
  • The estimated market value of your primary residence.
    The estimated market value of your primary residence.
    $
  • The estimated market value of additional real estate assets you own, including cottages and income properties.
    The estimated market value of additional real estate assets you own, including cottages and income properties.
    $
  • The estimated market value of any vehicles you own, including cars, motorcycles, boats, etc. Do not include leased vehicles.
    The estimated market value of any vehicles you own, including cars, motorcycles, boats, etc. Do not include leased vehicles.
    $
  • The appraised market value of any asset you own that’s not listed above. This may include other valuables such as art and antiques, jewelry, furniture, and collectibles.
    The appraised market value of any asset you own that’s not listed above. This may include other valuables such as art and antiques, jewelry, furniture, and collectibles.
    $
  • $ Remove other field
  • Liabilities What you owe.
    What you owe, including lines of credit, credit cards, student loans and mortgages. For joint liabilities, enter the amount attributable to you.
    Total liabilities:
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  • The amount you owe on any personal or home equity lines of credit.
    The amount you owe on any personal, home equity, or student and resident lines of credit.
    Total: $
  • The amount you owe on all credit cards.
    The amount you owe on all credit cards.
    Total: $
  • The amount you owe on any personal loans not including loans listed above or below.
    The amount you owe on any personal loans not including loans listed above or below.
    Total: $
  • The amount you owe on any student loans.
    The amount you owe on any student loans.
    Total: $
  • The amount you owe on any car loans or leases.
    The amount you owe on any car loans or leases.
    Total: $
  • The amount you owe on any mortgages.
    The amount you owe on any mortgages.
    Total: $
  • Any amounts you owe in taxes (including income tax, property tax, etc.).
    Any amounts you owe in taxes (including income tax, property tax, etc.).
    Total: $
  • The amount of any other liabilities not listed above. This may include debt that you have co-signed on behalf of others, as well as business debt that is secured by personal guarantees.
    The amount of any other liabilities not listed above. This may include debt that you have co-signed on behalf of others, as well as business debt that is secured by personal guarantees.
    Total: $
  • Total: $ Remove other field
Total assets:
Total liabilities:
Total net worth: The difference between what you own (assets) and owe (liabilities)
The difference between what you own (assets) and owe (liabilities).
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Assumptions
The family unit net worth data provided in this calculator has been estimated from the Statistics Canada Survey of Financial Security (SFS), 2012. The family unit includes economic families (groups of two or more persons who live in the same household and are related by blood, marriage, common-law or adoption), as well as unattached individuals (a person living alone or with others to whom they’re unrelated).

1. Net worth includes employer-sponsored registered pension plans valued on a termination basis.
2. Includes family units with a net worth of $0.

All dollar figures are in Canadian funds, and this calculator does not have functionality to account for foreign exchange.

This calculator rounds to the nearest dollar.

Disclaimer
The information presented here is not intended to offer foreign or domestic taxation, legal, accounting or similar professional advice, nor is it intended to replace the advice of independent tax, accounting or legal professionals. Incorporation guidance is limited to asset allocation and integrating corporate entities into financial plans and wealth strategies. Any tax-related information is applicable to Canadian residents only and is in accordance with current Canadian tax law including judicial and administrative interpretation. The information and strategies presented here may not be suitable for U.S. persons (citizens, residents or green card holders) or non-residents of Canada, or for situations involving such individuals. Employees of the MD Group of Companies are not authorized to make any determination of a client’s U.S. status or tax filing obligations, whether foreign or domestic. MD Financial Management provides financial products and services, the MD Family of Funds and investment counselling services through the MD Group of Companies. Banking products and services are offered by National Bank of Canada through a relationship with MD Management Limited. Credit and lending products are subject to credit approval by National Bank of Canada. All life-licensed MD employees have life licences with MD Insurance Agency Limited, a CMA company. MD Financial Management Inc. is owned by the Canadian Medical Association.