Net Worth Tracker
List your assets and liabilities to see your net worth, your asset-to-debt ratio, and how each item contributes.
Assets
Liabilities
Assets vs. liabilities
Why track net worth instead of just income
Income measures cash flow, but net worth measures accumulated wealth — what you'd have left if you sold everything you own and paid off everything you owe. Two people with the same salary can have wildly different net worths depending on debt, savings habits, and what they've built over time. Tracking it periodically turns a fuzzy financial picture into one clear number you can watch move.
The formula
List each asset and liability separately rather than lumping them together — the breakdown below shows exactly which accounts are pulling your net worth up or down, which makes it easier to decide where to focus next.
Also useful: Budget Calculator and Debt Payoff Calculator.
Frequently asked questions
Anything of value you own: cash and savings, investment and retirement accounts, your home or other real estate at current market value, and vehicles at resale value.
Anything you owe: mortgage balance, car loans, student loans, credit card balances, and any other outstanding debt.
Most people check quarterly or annually — frequent enough to see the trend, infrequent enough that day-to-day market swings don't distract from the bigger picture.