Net worth
Everything you own minus everything you owe.
Net worth is everything you own minus everything you owe. Add up your savings, deposits, EPF and investments, then subtract loans and card dues. Checking it every few months shows whether you’re getting ahead. Our lesson on tracking spending and net worth walks through an example.
Questions people ask
How do I calculate my net worth?
Add up what you own, such as savings, deposits, EPF and investments. Then add up what you owe, such as card dues and loans. Subtract what you owe from what you own. The result is your net worth.
Can net worth be negative?
Yes. If you owe more than you own, for example early in your career with an education loan, your net worth is below zero. That's common. What matters is whether it rises over time.
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