Net worth is the shortest honest summary of your financial position: everything you own minus everything you owe. Income tells you what is coming in and a budget tells you where it goes, but only net worth tells you whether any of it is actually accumulating.
Nothing you enter here leaves your device â there is no account, no server and no storage of your figures. Set your country from the header and every amount appears in your own currency and convention.
Liquid share. How much of what you own you could reach quickly â cash and investments, not property. Below about 15% and an emergency means borrowing, however impressive the headline number looks.
Debt against assets. Under 35% is comfortable. Between 35% and 60% is normal partway through a mortgage. Above 60% means most of what you own is really the lender's, and there is very little room if income stops.
Two people with the same net worth can be in completely different positions depending on these two numbers. That is why they are shown as bars rather than buried in the total.
Cash & bank. Current and savings accounts, fixed deposits, money you could withdraw this week.
Investments. Mutual funds, shares, ETFs, bonds, and retirement accounts â EPF and NPS in India, a 401(k) or IRA in the US, a pension or ISA in the UK, RRSP or TFSA in Canada, superannuation in Australia, CPF in Singapore.
Property. Your home and any other real estate, at what it would sell for today.
Other assets. Gold, vehicles at resale value, a stake in a business. Be honest rather than hopeful here.
Liabilities. The outstanding balance on the home loan, plus car loans, personal loans, student loans and credit card debt. Use the balance still owed, not the original amount borrowed.
Leave out everyday possessions â furniture, clothes, phones. They depreciate fast and you are not going to sell them, so including them just flatters the number.
Is a negative net worth bad? It is common early on, especially with student loans or a new mortgage, and it is not a moral failing. It does mean the highest-return move available to you is usually clearing the most expensive debt before investing â check what your card debt is really costing with the EMI calculator.
How often should I check? Once or twice a year. It is a slow-moving number, and checking it monthly mostly measures market noise. The direction it moves year on year is what matters.
What is a good net worth for my age? There is no honest universal answer â it depends on income, country, cost of living and when you started. Comparing this year's figure with last year's is far more useful than comparing it with someone else's.
Where do I go from here? The Financial Health Score scores your habits rather than your balance, and Savings Goal turns an intention into a monthly number.
