Net worth tracker

Net worth is everything you own added together, minus everything you owe. A positive number means your assets outweigh your debts, a negative number means the opposite, and neither is unusual early in a financial journey, particularly with student loans or a new mortgage.

Cash and savings, retirement accounts, investment or brokerage balances, real estate equity, and vehicles at their current resale value, not what you paid. Leave out anything you could not realistically sell or convert to cash.

Include your home equity, current market value minus what you still owe on the mortgage, not the full home price. The mortgage balance itself belongs in liabilities, so only the equity portion adds to your net worth.

Every three to six months is usually enough to see a real trend without becoming fixated on short term swings in account balances. Saving a snapshot each time you check builds the history that makes the direction, not just the number, visible.

Not by itself. Student loans, a new mortgage, or a car loan taken on early in a career are common reasons net worth starts negative. What matters more is whether the trend is moving upward over time, which is exactly what saving snapshots here shows you.