Track everything you own and everything you owe — see your real financial position in one number.
What it means
Income comes and goes. Spending fluctuates. Net worth — what you own minus what you owe — is the single number that quietly tracks whether you're actually building wealth. Run it once a quarter and watch the trend, not the month-to-month wobble.
Assets: checking and savings, brokerage and retirement accounts (use current balance), home and car (use realistic market value, not what you paid), and anything else you could sell. Liabilities: mortgage balance, car loans, student loans, credit-card balances. Don't count future expenses or things you intend to buy.
FAQ
Yes — it's liquid cash you own. Net worth doesn't care about labels you've put on accounts.
Use the current account balance. Taxes are owed on withdrawal, not now. For more conservative planning, subtract ~25% of pre-tax balances to get an after-tax estimate.
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Net worth = total assets − total liabilities. Updates as you type.
Your liabilities exceed your assets right now.
Sum of everything you own.
Sum of everything you owe.
Lower is better. Under 30% is healthy.