How to Calculate Net Worth: A Practical Guide (how to calculate net worth)

February 10, 2026

At its core, calculating your net worth is surprisingly straightforward. It’s simply what you own (your assets) minus what you owe (your liabilities). That one number gives you a powerful, honest snapshot of where you stand financially, right now. What Net Worth Really Means for You # It’s easy to think of net worth as a metric reserved for millionaires and billionaires, but that’s a huge misconception. In my experience, it’s one of the most useful financial tools for absolutely everyone, no matter your income. ...