How to calculate your real net worth in 5 minutes
Net worth is a snapshot: everything you own minus everything you owe.
Step 1: list assets
Add cash, savings, investments, property and other meaningful assets using current values.
Step 2: list liabilities
Add credit cards, loans, mortgages and other debts.
Step 3: subtract
Net worth = total assets − total liabilities.
Step 4: repeat monthly
The trend is more useful than a single number. Track the same categories consistently and investigate large changes.
Use the free calculator Track it in The Wealth Flow