Net worth, explained
Short guides to the questions people ask when they first add up what they own and what they owe. No jargon, and real numbers where it helps.
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How to calculate your net worth
Your net worth is what you own minus what you owe. A step-by-step guide to adding it up, putting a value on your home and debts, and reading the result.
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What counts toward your net worth?
Your home, pension, car, student loan and crypto: what to include in your net worth, at which value, and what you’re better off leaving out.
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Average net worth by age
Median and average net worth by age, from the Federal Reserve’s 2025 Survey of Consumer Finances and Statistics Netherlands. What the numbers mean for you.
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How often should you track your net worth?
Once a month is enough for most people. Why the trend says more than any single number, which values to update when, and how to keep it to five minutes.
Rather skip the reading? Use the net worth calculator or download the free spreadsheet.