Last checked 3 September 2026
Net worth is the total value of everything a person owns minus the total of everything they owe, measured at a single moment in time.
The two halves are assets and liabilities. Assets are anything with a resale or redemption value: cash, current accounts, savings, brokerage and retirement accounts, property, vehicles, crypto, and the resale value of anything else substantial enough to be worth counting. Liabilities are anything owed: mortgages, student loans, car finance, credit-card balances, tax owed but not yet paid.
Net worth is a stock, not a flow. Income and spending are flows — they happen over a period. Net worth is a snapshot of a position on a given day, which is why it is the number that answers "how am I actually doing" rather than "how much did I earn". A high earner with a large mortgage and no savings can have a lower net worth than a modest earner who has been paying down debt for a decade.
A negative net worth is normal and says nothing about competence. Anyone in the first years after a degree, or the first years of a mortgage, is likely to owe more than they own. What matters is the direction of travel, which is why selftickr grades the trend rather than the absolute figure.
total assets − total liabilities
Both sides at today's realistic market value, not what you paid.
selftickr turns your net worth into a stock — a symbol, a daily change, a rating and a chart. Manual entry, no bank connection, private until you decide otherwise.
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