Assets$17,000
NameCategoryValue
$
$
Liabilities$18,000
NameCategoryBalance
$
Net worth (negative)
−$1,000
$17,000 assets − $18,000 liabilities = net worth
Negative net worth is normal in your 20s–30s
Most NZ households under 35 are net negative. Student loans, mortgages. The number matters less than the direction — is it improving?
Asset breakdown
Savings/Cash29%
KiwiSaver71%
Quick stats
Total assets
$17,000
Total liabilities
$18,000
Debt-to-asset ratio
106%
Liquid assets
$5,000
Liquid = Savings/Cash + Investments
Where you stand
You're in the red. That's normal. Track it consistently.
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