Net Worth Calculator
Calculate your true net worth - assets vs liabilities - and track your financial progress over time
Assets
Liabilities
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What is Net Worth and Why Does It Matter?
Net worth is the single most important financial metric that reflects your true financial position. Simply put, it is the difference between everything you own (assets like cash, real estate, investments, gold, vehicles, etc.) and everything you owe (liabilities like loans, mortgages, credit card debt, etc.). This number gives you a clear and comprehensive picture of your financial health beyond just looking at your monthly salary or bank account balance.
In Saudi Arabia, calculating net worth takes on special significance with the major economic transformations the Kingdom is witnessing under Vision 2030. Investment opportunities are expanding in the Tadawul financial market, real estate, investment funds (REITs), and small and medium business ventures. Knowing your net worth helps you make informed investment decisions and identify your financial priorities with precision.
Our free net worth calculator is designed specifically for users in Saudi Arabia, featuring tailored categories such as Tadawul stock market investments, real estate investment trusts (REITs), GOSI social insurance accumulated balance, and gold valuation by gram. All you need to do is enter your asset and liability values, and you will instantly receive a comprehensive analysis including your net worth, assets-to-debt ratio, financial category, and comparison to your age group in the Kingdom.
Building Wealth in Saudi Arabia
Building wealth in Saudi Arabia differs from many countries due to several unique factors. First, the Kingdom's tax system is among the most attractive globally, with no personal income tax on individuals (both citizens and residents), providing a golden opportunity to accelerate wealth accumulation. The 15% Value Added Tax (VAT) is the main tax affecting daily spending, but it does not directly touch earned income.
Second, the Saudi stock market (Tadawul) offers diverse investment opportunities with good historical returns. Real Estate Investment Trusts (REITs) provide regular rental income with ease of trading. The Saudi real estate market is also experiencing notable growth driven by mega-projects like NEOM, Qiddiya, and the Red Sea Project, creating promising real estate opportunities for long-term investors.
Third, the General Organization for Social Insurance (GOSI) system provides an important retirement safety net for Saudi employees and private sector residents. Regular contributions build a pension balance that represents a significant part of net worth. Additionally, the Saudi government supports home ownership through programs like Sakani and the Real Estate Development Fund, making it easier for citizens to build real estate assets that typically represent the largest portion of net worth.
Understanding Your Net Worth Number and Interpreting Results
When you calculate your net worth, you may get a positive, negative, or even zero number, and each scenario has important financial implications. If your net worth is positive, it means your assets exceed your debts and you are on the right path toward financial independence. If it is negative, it means your debts exceed your assets and you need an action plan to reduce debt and increase assets.
The assets-to-debt ratio is another important indicator. The ideal ratio is 2 or more, meaning your assets are at least double your debts. A ratio between 1 and 2 means you are in an acceptable position but can improve. A ratio below 1 indicates your debts exceed your assets. Our calculator classifies your financial position into three categories: Building Phase (net worth below average for your age), Growth Phase (net worth around or above average), and Wealthy Phase (net worth significantly exceeds the average).
It is important to remember that net worth changes constantly, which is why we recommend calculating it every 3 to 6 months. Use the snapshot feature in our calculator to track your wealth evolution over time. The goal is not to compare yourself to others but to track your personal progress and ensure your net worth is moving in the right direction month after month and year after year. Even small, regular increases make a significant difference in the long term thanks to the power of compounding.
Effective Strategies to Grow Your Net Worth in Saudi Arabia
To effectively increase your net worth, you need to work on two fronts: growing your assets and reducing your liabilities. On the asset side, start by increasing your monthly savings rate to at least 20% of your income. Invest these savings wisely in a diversified portfolio that includes Saudi stocks from the Tadawul market, Exchange-Traded Funds (ETFs), and Real Estate Investment Trusts (REITs) that provide regular rental income.
Investing in Saudi real estate remains one of the strongest ways to build wealth over the long term. With government-supported mortgage programs like the Real Estate Development Fund, you can obtain financing at reduced profit rates for your first home purchase. Gold serves as an excellent hedge against inflation and represents an important part of the investment culture in the region. We recommend allocating 5-10% of your portfolio to gold and precious metals as a means of wealth preservation.
On the liability side, focus on paying off high-cost debts first, such as credit card debt which can carry interest rates of 20-30% annually. Use the snowball method (paying off smallest first) or avalanche method (paying off highest interest first) to accelerate debt elimination. Avoid borrowing to purchase depreciating assets like luxury cars, and use loans only to build productive assets like investment properties or business ventures. Remember that every riyal you save from debt directly adds to your net worth.