Net Worth Tracker
Calculate your current net worth by listing your assets and liabilities, and track how it changes over time.
Net Worth Formula
Net Worth = Total Assets – Total Liabilities
A positive net worth means your assets exceed your debts. Consistently growing your net worth over time is one of the most important measures of financial health and progress.
Assets to Include
- Liquid assets: Checking accounts, savings accounts, money market funds, cash
- Investment accounts: Brokerage accounts, 401(k), IRA, Roth IRA, 529 plans
- Real estate: Current market value of any property you own
- Vehicles: Current market value of cars, motorcycles, boats
- Other valuables: Jewelry, art, collectibles (at realistic resale value)
Liabilities to Include
- Mortgage balance remaining
- Car loan balances
- Student loan balances
- Credit card balances
- Personal loan balances
- Any other outstanding debts
Improving Your Net Worth Over Time
Net worth grows through two levers: increasing assets (saving and investing more) and decreasing liabilities (paying down debt). Both levers matter and work together.
Frequently Asked Questions
How often should I check my net worth?
Quarterly is a good frequency — frequent enough to stay engaged without reacting to short-term market fluctuations.
Is a negative net worth a problem?
Not necessarily, especially early in life when student loans are common. What matters most is the direction and trend. A net worth improving steadily over years indicates healthy financial behavior.