A snapshot of where you stand.
List what you own and what you owe. The difference is your net worth — the most important number in your financial life and the one to track once a quarter, not once a day.
Built and reviewed by Stephen Omukoko Okoth
Mathematical Economist · ex-Morgan Stanley FI · Equilar
Currency
Choose your currency
Assets
What you own — $ 488.0K
Liabilities
What you owe — $ 255.5K
Verdict
$ 232.5K net worth.
Debt-to-asset ratio: 52.4%.
Track this quarterly. Day-to-day moves are noise. The trend over years tells you whether your financial life is compounding in the direction you intend.
Result
Three numbers
Assets
$ 488.0K
Liabilities
$ 255.5K
Net worth
$ 232.5K
Composition
Where your assets sit
Common questions
What counts as an asset?
Anything you own that has cash value: bank accounts, retirement accounts, taxable investments, your home (at market value), vehicles, business equity. Don't include personal effects (clothing, electronics) — they don't have meaningful resale value.
What counts as a liability?
Anything you owe: mortgages, student loans, car loans, credit card balances, personal loans. Don't include monthly bills you'll pay this cycle — only outstanding debt.
Should I include my home equity?
Yes — at market value (estimate from comps), not original purchase price. Then list the outstanding mortgage as a liability. Net home equity = market value − mortgage balance.
What's a 'good' net worth?
It depends on age, income, and country. The classic Stanley/Danko benchmark: expected net worth = age × pretax income ÷ 10. Above that, you're a 'PAW' (prodigious accumulator). Below, you're under-accumulating relative to your earnings.