What net worth is
Your net worth is everything you own (assets) minus everything you owe (liabilities). It is a snapshot of your financial position — and tracked over time, the single best signal of whether you are moving in the right direction.
Step 1 — Add up your assets
Cash, checking and savings, investment and retirement accounts, real estate at market value, vehicles, and any business value. Use realistic current values.
Step 2 — Subtract your liabilities
Credit card balances, student loans, your remaining mortgage, auto and personal loans. The result is your net worth. Try our free net worth calculator to do this in a minute.
Step 3 — Track the trend
A single number is a snapshot; the trend is the story. Update monthly and watch the direction. A rising trend means your assets are growing faster than your debts — exactly what you want.
Make it automatic
Spreadsheets work until you stop updating them. OptiAI keeps your net worth current and connected to your goals, so you can ask an AI assistant how you are tracking instead of rebuilding a spreadsheet.