What counts as something you own?

Anything you could turn into money: your current account, savings, investments, and things with a resale value such as a car or equipment.

What counts as a debt?

Everything you still have to pay back: credit card balances, personal loans, student debt and your mortgage.

Net worth

Add up what you own and what you owe.

What you own

Current accountWhat is in your everyday account right now.

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SavingsEverything you have set aside, across all savings accounts.

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InvestmentsThe current value of your stocks, funds or crypto.

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OtherAnything else with a resale value: a car, a bike, equipment.

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What you owe

Credit cardThe balance you still owe on your cards.

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LoansPersonal loans, car loans, buy-now-pay-later.

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Student debtWhat is left of your student loan.

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MortgageThe remaining amount on your mortgage.

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What you are worth

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Fill in what you own and what you owe

A balance, not a month

This is one number on one day: everything you own minus everything you owe. The monthly calculator tells you what you keep; this one tells you where you stand.

Write it down and do it again next month. The direction of that number is the thing to watch.