A quick snapshot of everything you own minus everything you owe.
Cash, investments, property value, and everything else you own. Unit: USD.
Mortgage balance, loans, credit card debt, and other obligations. Unit: USD.
Net Worth
$270,000.00
Net Worth — Monetary amount USD. Represents cash flow, cost, or value; compare across scenarios.
Total Assets
$450,000.00
Total Assets — Monetary amount USD. Represents cash flow, cost, or value; compare across scenarios.
Total Liabilities
$180,000.00
Total Liabilities — Monetary amount USD. Represents cash flow, cost, or value; compare across scenarios.
Assets ÷ Liabilities
2.50
Assets ÷ Liabilities — Financial outcome. Helps compare affordability, yield, or cost across options.
What this means
Add the value of everything you own (cash, investments, home, vehicles) and subtract every obligation (mortgage, loans, cards). A ratio above 1 means assets exceed liabilities.
Net worth is the simplest summary of financial health: everything you own minus everything you owe. Tracking it year over year shows whether you are building wealth.
Formula
net worth = total assets − total liabilities
Worked examples
FAQ
Should retirement accounts count as assets?
Yes — retirement balances are assets. Their value (minus any taxes you expect to pay later) belongs on the asset side.
Is a negative net worth a problem?
It is common early in life (student debt, first mortgage). The useful signal is the direction of change over time.