Add assets, subtract liabilities, see net worth.
Net worth is the single most important number in personal finance: assets minus liabilities. Tracking it over time shows whether you are building wealth or taking on more debt than you can sustain.
Include everything of value on the asset side (bank accounts, investments, retirement funds, property at current market value, vehicles) and every debt on the liability side (mortgage, car loan, student debt, credit cards, overdraft).
A negative net worth is common early in life, especially with student loans or a recent mortgage. What matters is the trend — if the number is moving up each quarter, you are on the right track.
Net Worth = Total Assets − Total Liabilities.
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