Net worth is a one-line balance sheet: everything you own that has value, minus everything you still owe. It is a snapshot, not a score of character or a forecast of future income.
Core idea
Net worth = total assets − total liabilities
Sample
About $150,000 assets and $80,000 liabilities → about $70,000. Open sample
Related
Frequently asked questions
What is net worth?
Assets you own minus debts you owe—a simple snapshot of financial position on a given day.
Sample with ~$150k assets and ~$80k debts?
About $70,000 under Nestfigure’s sample inputs.
Sources linked above include U.S. government materials (for example CFPB, FDIC, NCUA, BLS, IRS) where noted. Sample math uses only labeled Nestfigure assumptions—not bank quotes, job offers, or personalized advice. Last reviewed: August 9, 2026.