Net Worth Calculator Numbers Don't Lie · Afrika
What you own, less what you owe

Your net worth is one number. There are four others.

Adding it all up is the easy part. What matters is how much of it you could actually reach in a month, how much of it is working for you, and how long it would carry you if the income stopped. Fill in what applies. Leave the rest at zero.

Assets — what you ownKES
Liquid — you could reach this within about a month
Illiquid — real, but it takes time or costs you to get at
Total assets
0
If you run your own business, put in what your stake is worth — roughly what someone would pay you for it today, or the business's own assets less its own debts. Do not list its vehicles, stock or loans here; a business keeps its own balance sheet and mixing the two stops either from being true. If the business owes you money, that belongs under money others owe you. If you personally guaranteed a business loan, put it in the guarantee box below rather than in your liabilities.
Liabilities — what you oweKES
Short term — due within a year
Long term
Total liabilities
0
One more thingKES
Your net worth today
KES0

01The balance sheet

Everything you own on one side, everything you owe on the other. The difference is yours.

Liquid assets
0
Illiquid assets
0
Short-term liabilitiesDue within the year
0
Long-term liabilitiesEverything else you owe
0
Net worth
0
For every 100 shillings you own, you owe KES 0

02What you could actually reach in a month

A plot in Kitengela and a car are real wealth, but neither pays a hospital bill on Friday. This is the part of your net worth that could become cash quickly, with your short-term debts taken off it.

Liquid net worth
KES 0
Share of your total net worth
0%

03How much of it is working for you

Some of what you own earns a return. Some of it just sits there, and some of it loses value while you sleep. Both count as net worth. Only one builds it.

Working for you Sitting still or falling
Earning something
KES 0
Idle or depreciating
KES 0

04How long you would last

If the income stopped tomorrow and nothing else changed, this is how long your liquid money would keep the household running.

Months covered
0
Where that puts you
—

05What you have promised on someone else's behalf

Guaranteeing a loan is not a favour, it is a debt with someone else's name on the front. It appears on no balance sheet until the day the borrower stops paying.

You have guaranteed
KES 0
Net worth if it all came back to you
KES 0

06The number behind the number

Net worth is a photograph, not a film. What decides your future is which direction it is moving, and whether it would survive an event.

A balance sheet is not a plan

Net worth tells you where you stand. It says nothing about what happens next.

It does not tell you whether your family keeps this if you are not here, whether an illness would force you to sell the plot, or whether what you own will still be worth something in twenty years. Those are the questions worth an hour of somebody's time.

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Nothing you type leaves this page. The figures stay on your own device and are not stored or sent anywhere. This is a general guide based on what you entered today, not personal financial advice, and it does not take account of your full circumstances. Values for property, vehicles and business equity are your own estimates; a real valuation may differ considerably.