Add your assets and liabilities to see your true financial picture — your net worth, debt ratio, and where you stand.
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It's one of the most important single numbers in personal finance — a snapshot of your overall financial health.
Assets include property, savings, investments, pension funds, vehicles, and valuables. Liabilities include mortgages, loans, credit card balances, student loans, and any other money you owe.
A positive net worth means your assets exceed your debts. A negative net worth is common early in life — especially with student loans or a large mortgage — and doesn't mean you're in financial trouble. The goal is to track it over time and move in the right direction.