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§ Calculator · Investment
Net-worth tracker
Assets minus liabilities. The single number worth tracking quarterly — not daily.
What this is
Net worth = what you OWN minus what you OWE
The single number worth tracking quarterly. If it's growing year over year, you're winning regardless of what individual stocks did.
- ·Assets: cash, TFSA, RRSP, FHSA, non-registered, your home, anything else of value.
- ·Liabilities: mortgage, credit cards, line of credit, student loans, anything else owed.
- ·Liquid net worth EXCLUDES home equity (can't spend a house easily). Use that for emergency-fund math.
Assets
Liabilities
Assets
$808,000
Liabilities
$422,200
Net worth
$385,800
Liquid net worth
$165,800
Educational. Liquid net worth excludes home equity (you can't easily spend a house). Use that for emergency-fund math; use total net worth for retirement readiness.