Budget Beavers

Net Worth Tracker

Assets minus liabilities — with StatCan age-percentile benchmark and profile aggregator.

For informational purposes only. Not financial advice. All calculations happen in your browser — no data is sent to any server.
Used only for the StatCan benchmark

Assets

Cash & Investments
$
$
$
$
$
$
Real Assets
$
Use current market value, not purchase price
$
$

Liabilities

$
$
$
$
$
$
Net worth
$0
Assets $0 · Liabilities $0
Total assets Sum of all assets: cash, investments, home, vehicle, and other.
$0
Total liabilities Sum of all debts: mortgage, loans, credit cards, and other.
$0
Liquid net worth Net worth excluding your home and vehicle — the portion you could access in an emergency. Mortgage is excluded from the liability side since it matches the illiquid home asset.
$0
Debt-to-asset ratio Liabilities ÷ Assets. Under 50% is generally healthy; over 80% is a warning sign. 0% means no debt.
0%
Liquid vs Total Net Worth
Total net worth $0
Liquid net worth $0
Your liquid net worth — what you could access in an emergency — is $0.
StatCan Age-Group Benchmark
2023 · Source: StatCan SFS
Enter your age and financial details to see how you compare.
Your net worth $0
Median for your age group —

Assets vs Liabilities Breakdown

Net Worth
$0
Assets
Liabilities
Next step
→ Emergency Fund · → Retirement Projection (project net worth to age 65)

About the Net Worth Tracker

What is net worth?

Net worth is the single most important number in personal finance: everything you own minus everything you owe. It is your true financial scorecard — unlike income, which is a flow, net worth is a stock. A high income with high spending produces no net worth; a moderate income with disciplined saving grows it steadily.

Liquid vs total net worth

Total net worth includes illiquid assets — primarily your home and vehicles — that you cannot easily convert to cash. Liquid net worth strips those out, leaving only the assets you could actually access in an emergency. A homeowner with $800,000 total net worth but only $20,000 in liquid assets is in a very different position than someone with $400,000 in total net worth and $300,000 in liquid investments.

The StatCan benchmark

The age-group medians are from Statistics Canada's Survey of Financial Security (SFS) 2023, Table 11-10-0058-01, published January 2025. They represent median family net worth, not individual — so if you are filing taxes as a single-person household, the comparison is still directionally useful but slightly different in character. The benchmark is meant to be orienting, not prescriptive: your retirement timeline, risk tolerance, and goals determine what your net worth should be, not Statistics Canada.

Why the mortgage is excluded from the liquid liability side

When we calculate liquid net worth, we exclude your home from assets and your mortgage from liabilities. This is the standard approach because the mortgage is structurally tied to the illiquid home. If you had to liquidate in an emergency you would sell the home, pay off the mortgage, and pocket the equity — which is already captured in your total net worth figure.

Not financial advice. Net worth calculations are estimates. RRSP balances are pre-tax; actual after-tax value depends on your marginal rate at withdrawal. Home values are estimates; use a current appraisal or comparable sales for accuracy. All calculations happen in your browser — no input data is sent to any server.

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