Net Worth Calculator
Calculate your net worth (assets − liabilities) and compare to the NZ median household ($397k). Tracks home, KiwiSaver, investments, mortgage, and debts.
About this calculator
This calculator implements household net wealth survey (2024 HES) from Stats NZ + MoneyHub. Last consulted 18 May 2026. Verify the figures yourself by following the link.
NZ household net worth benchmarks
Stats NZ HES 2024- •Median household net worth: $397,000
- •Top 20% threshold: ~$1.55M
- •Bottom 20% threshold: ~$45,000
- •Home equity median: $510,000
- •Median KiwiSaver balance (45-49): ~$54,000
Disclaimer
This calculator provides estimates for general information purposes only. Results should not be relied upon as professional financial, tax, or legal advice. Tax rates and thresholds are based on publicly available IRD data and may change. Always consult a qualified tax agent or financial adviser for advice specific to your circumstances.
How NZ net worth is calculated
Net worth = total assets − total liabilities. Both flow and stock measure of wealth.
- 1
Sum all assets
Assets = home + KiwiSaver + investments + cash + vehicles + other
Use current market value for the home, not purchase price.
- 2
Sum all liabilities
Liabilities = mortgage + student loan + credit cards + personal/car loans + other debts
Include any HP, AfterPay balances etc.
- 3
Net worth = assets − liabilities
Net_worth = total_assets − total_liabilities
Track quarterly to see trend.
- 4
Compare to NZ median
vs_median = (your_net_worth − $397,000) ÷ $397,000 × 100%
Stats NZ HES 2024 median household net worth.
Worked example
Inputs: Home $900k, KS $80k, savings $20k, mortgage $480k, no other debt
Result: Assets $1,000,000 − Liabilities $480,000 = Net worth $520,000 (+31% vs NZ median).
Frequently Asked Questions
How is net worth calculated in NZ?
Should I include my home in net worth?
How does NZ household net worth compare to other countries?
How often should I recalculate my net worth?
The net worth calculator adds up everything you own, subtracts everything you owe, and compares the result with the Stats NZ median household net worth of $397,000 — the single best snapshot of your financial position.
How this calculator works
Net worth is assets minus liabilities. On the asset side, use current market values — what your home would sell for today (not what you paid), your KiwiSaver balance, other investments, cash savings, and vehicles at realistic resale value. On the liability side, include the mortgage balance, student loan, credit cards, car and personal loans, and buy-now-pay-later balances. The single number matters less than its trend: tracking quarterly shows whether your position is compounding or eroding, independent of how busy your income statement looks. For context, the Stats NZ Household Economic Survey puts the median NZ household at $397,000, the top 20% threshold near $1.55 million, and the bottom 20% under about $45,000 — and roughly half of median household wealth sits in home equity, which is why renters and owners at the same salary often diverge sharply over a decade.
NZ household net worth benchmarks (Stats NZ HES)
| Median household net worth | $397,000 |
| Top 20% threshold | ~$1,550,000 |
| Bottom 20% threshold | ~$45,000 |
| Median home equity (owner households) | ~$510,000 |
| Median KiwiSaver balance (age 45-49) | ~$54,000 |
Stats NZ Household Economic Survey; medians move with each survey wave.
Worked Examples
Homeowner: house $900k, KiwiSaver $80k, savings $20k, mortgage $480k, no other debt
Net worth $520,000 — about 31% above the NZ median.
- Assets: $900,000 + $80,000 + $20,000 = $1,000,000
- Liabilities: $480,000
- Net worth: $1,000,000 − $480,000 = $520,000
- vs median: ($520,000 − $397,000) ÷ $397,000 ≈ +31%
Renter: KiwiSaver $35k, savings $12k, car $15k, student loan $28k, credit card $4k
Net worth $30,000 — positive, and the trend matters more than the level at this stage.
- Assets: $35,000 + $12,000 + $15,000 = $62,000
- Liabilities: $28,000 + $4,000 = $32,000
- Net worth: $62,000 − $32,000 = $30,000
Built and maintained by Konstantin Iakovlev. Data sourced from the IRD and official New Zealand government sources.
Last reviewed: