The formula

Net worth is simple: total assets − total liabilities. Assets are what you own with value (savings, investments, property, vehicles); liabilities are what you owe (loans, credit balances, mortgages).

Why it's more useful than income alone

A high income with high spending and debt can produce a lower net worth than a modest income with disciplined saving and low debt. Net worth reflects what you've actually built up, not just what flows through your hands each month.

Tracking it over time

A single net worth snapshot matters less than the trend. Is it growing steadily? A shrinking or stagnant net worth over time is a signal to review spending, debt, or savings habits.

Assets aren't just cash

Your portfolio holdings, fund units, fixed deposits, property, and vehicles all count as assets — even if they're not immediately spendable, they contribute to your overall financial position.

Using this app

The Assets, Liabilities, and Portfolio trackers in this app feed directly into a Net Worth summary on your Dashboard, so you can see this number update as your holdings, savings, and debts change.