All calculators are downloadable Excel spreadsheets that allow you to save and amend your own personal data.With this spreadsheet, enter your personal data in the purple coloured cells.

net worth and asset allocation spreadsheet

As some assets do well and others do poorly, our desired asset allocation can drift over time. This can create a situation where we are invested too heavily (or not enough) in our preferred investments.

All you need to do is enter your current assets in the purple cells and your results will be provided in the peach box, as well as 6 pie charts for an easy visual. The pie charts showing your asset allocations in specific asset categories and broad asset categories and both including the house (if you are a homeowner) and excluding the house. The graphs will also show you your split of growth assets (such as shares and property) relative to conservative assets (such as cash and bonds). The last two graphs excluding your current home if you are a homeowner.

I have pre filled some purple cells to give you an example of how it may look, but delete or add any numbers as your situation requires.

For more information on the importance of a correct asset allocation, have a read of our article here.

Then if you need help deciding how much you may need to buy or sell to rebalance to your original preferences, you can check out our rebalancing calculator on the investment calculator page.

Since you have entered all your asset holdings I thought it would also be good to add a net worth tracker to this calculator too. You’ve done most of the hard work already. For your net worth you just need to add your liabilities, and your net worth number will be provided.

From there you can use the net worth table in rows 129 to 148 to track your net worth over time. The great thing about this table is you can enter your net worth as often (maximum of monthly) or as little as you like, and the % change in your net worth from one date to another will still be calculated.

If you have any feedback or improvements to suggest feel free to get in touch.

Net worth comparison calculator

I’m not a fan of comparing your own financial situation to others by any stretch of the imagination. I am more in favour of running your own race. That being said, I can’t ignore a large amount of the population that love to compare where they are financially relative to other people.

So I have made a calculator that allows you to enter your net worth and see where you stand compared to the rest of the country. You can even have a look how you compare broken down by household composition, geography, ethnicity and age group. I didn’t include income comparisons because you can have recent graduates on decent incomes with a low net worth and recent retirees on low income with a high net worth. I don’t think income tells a full story. Likewise, I didn’t include gender, as the differences between genders are minimal.

To compare to others in the same age group and same ethnicity, you will need to enter your individual net worth even if you are in a couple. If you are in a partnership maybe the easiest way is to half your net worth for comparison sake.

For the results, I have always used the median net worth. Average net worth can be heavily skewed by very low and very high net worth amounts. Median is a more accurate reflection of middle New Zealand.

When comparing against other New Zealand households, individuals and genders, note that you are comparing against the middle New Zealanders. So if you are young by comparison, don’t be put off if you are significantly below the median results.

When comparing against others in your age group, note that the age groups used by Statistics NZ are a wide range. For example, 25-34, 35 - 44, etc. A lot can change in a decade so if you are on the young side of the range, for example 37, even comparing against others in your age group can be a futile exercise.

If you don’t know what your net worth is, a good first step will be to use the calculator at the top of this page first. Then come back to this calculator with your results. When looking at my own net worth I don’t tend to include vehicles as an asset as they tend to depreciate and more often than not when you sell one vehicle you buy another. But each to their own.

The data for this net worth calculator comes from Statistics NZ who release the nationwide net worth data every three years. The last data gathered in June 2024. You can find the data here.

I have pre filled some inputs in the purple cells to show how the spreadsheet works, but delete any of the pre filled information (purple cells) that do not apply to you and leave blank if you don’t want that information or input your own numbers.

Again, comparing your net worth to others may be a fun exercise, but the results should not make you feel better or worse. Your life requires its own path and results, not the results of others. Everyone’s journey is different, as is how much we need to live our best lives.

For more calculators, click here