What is net worth?
Net worth is a snapshot of your financial health. It's everything you own (assets) minus everything you owe (liabilities). A positive net worth means your assets outweigh your debts; a negative one means the opposite. Tracking it over time is one of the best ways to see real financial progress.
How to grow your net worth
Two levers move net worth: growing assets (saving, investing, paying down a mortgage) and shrinking liabilities (paying off high-interest debt). Recalculate every few months and watch the trend rather than the single number.
Frequently asked questions
Should I include my home?
Yes — include its current market value as an asset and the remaining mortgage as a liability.
Is a negative net worth bad?
It's common early on (e.g. with student loans or a new mortgage). What matters is the trend improving over time.
Is my data saved?
No. Everything runs in your browser.