Personal finance glossary

Last checked 3 September 2026

Twelve terms that come up constantly in net-worth tracking, defined without hedging. Each one answers the question first and explains afterwards.

Net worthEverything you own minus everything you owe.
Liquid net worthThe part of your net worth you could actually spend this month.
Savings rateThe share of your income you keep rather than spend.
FIRE numberThe portfolio size at which investment income could cover your spending.
Safe withdrawal rateThe share of a portfolio you can draw each year without exhausting it.
Net worth percentileWhere your net worth sits in the distribution of everyone else's.
Compound annual growth rateThe smoothed yearly growth rate that would produce the same end result.
DrawdownHow far you fell from your highest point before recovering.
RunwayHow many months you could cover expenses with no income at all.
Burn rateHow much you spend in a month, net of what comes in.
Emergency fundCash held aside specifically to absorb an unexpected cost.
Asset allocationHow your money is divided across different types of asset.

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