Total net worth, assets less liabilities, split into liquid and illiquid.
Net worth
—
Total assets
—
Liquid assets
—
Total liabilities
—
Worked example
Suppose you hold 200,000 pesos in cash and deposits and 500,000 in investments, MP2, and PERA, so 700,000 in liquid assets. On the illiquid side you have a property worth 3,000,000 and vehicles and other items worth 600,000, a further 3,600,000. Total assets are 4,300,000. Against that you owe 1,500,000 on loans and 50,000 on credit cards, so 1,550,000 of liabilities. Net worth is assets less liabilities, 4,300,000 minus 1,550,000, which is 2,750,000. Worth noting: only 700,000 of that is liquid, while the bulk sits in property you cannot spend quickly. A healthy balance sheet pairs a positive net worth with enough liquid assets to cover several months of expenses.
| Item | Amount (PHP) |
|---|---|
| Liquid assets (cash, investments) | ₱700,000 |
| Illiquid assets (property, vehicles) | ₱3,600,000 |
| Total liabilities | ₱1,550,000 |
| Net worth | ₱2,750,000 |
How it is calculated
Net worth is the simplest measure of financial position: everything you own minus everything you owe. The calculator groups assets into liquid items you can convert to cash quickly, such as bank deposits, investments, MP2, and PERA, and illiquid items like property and vehicles that take time and cost to sell. It adds the two groups for total assets, then sums your loans and credit card balances for total liabilities. Net worth is total assets less total liabilities, and the result can be negative if debts exceed assets. The liquid breakdown matters because a large net worth tied up in property still leaves you exposed if you have little cash on hand, which is why an emergency fund is tracked separately. This is a snapshot at today's values: property and vehicle figures are estimates, and investment balances move with the market, so it is worth recalculating every few months to see the trend rather than a single number.