Net worth is the honest number: everything you own minus everything you owe. For diaspora, this means counting assets across multiple currencies and countries — including land and property back home that's easy to forget but real.
Assets — what you own
Brokerage, 401(k), pension
Local stocks, treasury bills
Current market value
Liabilities — what you owe
Outstanding balance
Money owed to family
Moderate — manageable but watch closely
Early in your journey
Your net worth is positive but modest. Focus on increasing your savings rate and diversifying your assets.
Improve your savings rateModerate debt ratio
Your debt-to-asset ratio of 42% is manageable but worth monitoring. Avoid taking on new debt.
These insights are educational and do not constitute financial advice.
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Understanding the numbers
Your net worth is the single most important snapshot of your financial position. It's calculated as Total Assets − Total Liabilities. A positive number means you own more than you owe; a negative number means you have work to do.
For the diaspora, net worth gets complicated because assets are often spread across two currencies and two countries. The pragmatic approach: convert everything to your primary currency using current FX rates, and update the snapshot quarterly. Don't obsess over small FX fluctuations — direction matters more than precision.
Why this matters for your return
Your net worth determines your FIRE number — the capital you need to cover your living costs back home through investment returns alone. Most diaspora aim for a net worth of 15-25× their annual post-return living expenses before considering themselves return-ready.
For example: if your target lifestyle back home costs $1,500/month ($18,000/year), your target net worth is roughly $270,000 - $450,000. The Passive Income calculator will help you refine this number based on local investment returns and inflation.
What counts as an asset
- Cash & savings: Bank accounts, term deposits, money market funds
- Investments (foreign): Brokerage accounts, 401(k), ISA, pension
- Investments (home): Local stocks, bonds, treasury bills back home
- Property (foreign): Real estate you own abroad
- Property (home): Real estate you own back home
- Land (home): Plots you've purchased — even if undeveloped
- Vehicles: Cars, motorcycles (use current market value, not purchase price)