What Counts Toward Net Worth?
Decide which cash, investments, retirement savings, property, vehicles, and debts belong in a personal balance sheet. Avoid common double-counting errors.
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The reading room
Net worth guides.
A clearer view.
Understand what you own and owe, track your financial position over time, and keep a private record. Clear examples, honest limits, and no required routine.
Net worth basics
Net Worth vs Portfolio Value
Portfolio value measures investments. Net worth includes your other assets and subtracts debt. A worked example explains why their growth can differ.
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Liquid Net Worth vs Net Worth
Learn why property and restricted savings can count toward net worth without being available cash. Define and calculate a consistent liquid net worth view.
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How to Calculate Net Worth in India
Build an INR personal balance sheet with deposits, mutual funds, EPF, PPF, NPS, vested shares, gold, property, and outstanding debt. Keep valuation limits clear.
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How to Calculate Net Worth in the US
Build a USD balance sheet with vested 401(k)s, IRAs, brokerage accounts, property, and debt. Includes a worked example and retirement valuation limits.
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How to Calculate Net Worth in the UK
Build a GBP balance sheet with ISAs, pension pots, SIPPs, property, and debt. Understand pension income, student-loan balances, and double counting.
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How to calculate your net worth
List your assets, subtract your liabilities, and record the date. A worked example explains property, loans, shared ownership, and negative net worth.
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Tracking over time
How to Track Net Worth Over Time
Build a useful net worth history with consistent valuations, dated snapshots, and a calm monthly or quarterly review. Includes a worked comparison.
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How Often Should You Track Your Net Worth?
Compare daily, weekly, monthly, quarterly, and annual net worth reviews. Choose a useful recording cadence without monitoring every market movement.
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Review Finances Without Tracking Every Transaction
Use dated balance checkpoints to compare assets and debt. Learn what a balance review can explain, what it cannot, and how to keep a useful record.
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Privacy
Finance Tracker Privacy: 15 Tools Compared
Compare documented local storage, hosted services, bank connections, encryption, and recovery limits across 15 finance tools. Includes sources and clear unknowns.
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Track Net Worth Without Bank Linking
A practical manual net worth tracking method. Compare spreadsheets and local-first tools, check balances, and understand privacy and backup trade-offs.
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Tools and templates
Use a spreadsheet and a financial journal together
Keep detailed formulas in your spreadsheet and dated balances in your journal. Use a clear handoff, one currency, and consistent valuation dates.
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Tools for your own figures
Calculate assets minus liabilities in your browser, or use the free net worth spreadsheet template for a detailed record.
Choose local account fields in the India calculator, US calculator, or UK calculator. Each has a guide to its valuation method and limits.