Net Worth
Net worth is everything you own minus everything you owe — your assets (cash, investments, home, car) less your liabilities (mortgage, loans, credit-card balances). It's the single clearest snapshot of your financial health, and growing it over time is the real goal of most money decisions.
Net worth is the one figure that captures everything at once, because it moves whether you save, invest, repay debt or simply watch an asset appreciate — four different activities that all show up in the same number. Income does not do this: a high earner spending everything stands still, while a modest earner repaying a mortgage advances every month. A negative net worth is ordinary early in a career, particularly with student loans, and says nothing about whether things are going well; the direction of travel is the signal, not the level. Check it once or twice a year rather than monthly, since market noise dominates over short periods and reacting to it is the main way people damage the trend.
Put it to work
Net Worth Calculator
Calculate your net worth the way advisors do: everything you own minus everything you owe, with your debt-to-asset ratio as a health check.
Home Equity Calculator
Calculate your home equity and how much you could borrow with a HELOC or home equity loan, based on your lender's combined loan-to-value limit.