Net Worth Calculator
Track assets and debts across TFSA, RRSP, RESP, non-registered, and more. Get personalised Canadian tax-optimisation tips based on your contribution room, age, and marginal rate.
Net Worth
$340,000
Assets
$750,000
Liabilities
$410,000
Debt / Asset
55%
Liquidity
9% liquid
Tax-Advantaged %
83%
You have $15,000 of RRSP room. Contributing now at 30% saves tax today — withdraw at a lower rate in retirement.
RRSP calculatorEst. value: ~$4,500/yr
You have $20,000 of TFSA contribution room. TFSA contributions grow tax-free and can be withdrawn tax-free at any time.
TFSA calculatorEst. value: ~$300/yr
Frequently asked questions
What counts as net worth?
Net worth = total assets (cash, TFSA, RRSP, RESP, non-registered, home, vehicles) minus total liabilities (mortgage, student loans, credit cards).
Should I include my home?
Yes — include market value. The home is illiquid; real estate commissions and land transfer taxes on replacement cost 5-8%. The liquidity ratio separates liquid assets.
Tax-advantaged % by age?
Under 30: aim for 70%+ (TFSA + RRSP). 30-44: 60-70%. 45-59: 50-60%. 60+: drawdown order matters more. Max TFSA ($7,000/year in 2026, cumulative $109,000 since 2009) then RRSP.
How do I improve tax-advantaged %?
TFSA room: $7,000/year (accumulated since 2009 = $109,000 if always eligible). RRSP room: 18% of prior-year earned income up to $32,490 (2026). RESP: 20% CESG grant up to $500/yr per child.
What CA account types are tax-advantaged?
TFSA (after-tax in, tax-free growth, tax-free withdrawals). RRSP (pre-tax in, tax-deferred, taxed on withdrawal). RESP (tax-deferred + CESG grant). FHSA (first home savings, combines TFSA+RRSP benefits). Principal residence (exempt from capital gains).
Related Calculators
TFSA Calculator
Project your TFSA growth and optimise contribution order.
RRSP Calculator
See RRSP tax savings and retirement projection at your marginal rate.
FHSA Calculator
First Home Savings Account: combined TFSA + RRSP benefits.
Retirement Projection Calculator
Project TFSA, RRSP, and non-registered balances to retirement.