How to Calculate Your Net Worth (Step-by-Step)

Net worth is everything you own minus everything you owe, and it is the single best measure of your financial position.

List your assets at honest market value, not what you paid or what you wish they were worth.

Include your pension. For most people in their 30s and 40s it is the biggest line on the page.

Recalculate quarterly. The number itself matters less than the direction it is moving.