Tools 5 min read

Net Worth Tracker

Your net worth is the single most important number in personal finance — it is your financial score.

How to Calculate Net Worth

Assets minus liabilities.

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Assets: Cash and savings, investment accounts, property value, retirement accounts, business equity, crypto, valuable possessions. Liabilities: Mortgage balance, student loans, credit card debt, car loans, personal loans. Net Worth = Total Assets minus Total Liabilities. Track monthly. A negative net worth is common when young (student loans) but should turn positive within a few years of working.

Net Worth Milestones by Age

Are you on track?

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General benchmarks (varies by income and location): Age 25: €10,000. Age 30: 1x annual salary. Age 35: 2x annual salary. Age 40: 3x annual salary. Age 50: 6x annual salary. Age 60: 8x annual salary. Do not stress if you are behind — the fact that you are tracking puts you ahead of 90% of people. Focus on the growth rate, not the absolute number.

Tracking Net Worth Over Time

The trend matters more than the number.

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Track monthly: Update all account balances, record total assets and liabilities, calculate net worth. Over time, look for: Consistent upward trend, increasing rate of growth (compound effect), sudden drops (investigate cause). Tools: Our net worth calculator, Personal Capital, or a simple spreadsheet. The act of tracking alone changes behavior.