Net worth tracker

Add up what you own, subtract what you owe. Do this once a month and watch the line move.

Country

Cash & savings

Investments (ISA / 401k / brokerage)

Pension pot

Property value (estimated)

Other assets (car, valuables)

Mortgage balance

Loans (car, personal, student)

Credit cards / overdrafts

Net worth

£152,500

Total assets

£380,000

Total liabilities

£227,500

Liquid net worth (excl. property + pension)

£27,500

Debt-to-asset ratio

60%

• Track your net worth monthly or quarterly — trend matters more than the absolute number.

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Needs / wants / savings

Monthly savings needed

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