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Calculate your net worth and keep it in view
Your net worth is everything you own minus what you owe. Working it out regularly shows whether your wealth is growing – independent of day-to-day price swings.
The formula
Net worth = accounts and cash + investments + other assets − outstanding loans and debts.
What to include
- Checking account, savings account and cash
- Stocks, ETFs and crypto at their current price
- Assets without a market price, such as gold, entered by hand at their value
- As deductions: the remaining balance of loans – including money you owe to family or friends
Why check it regularly?
Once a month is enough. You see the trend, the effect of your savings plans and how quickly debts shrink. That makes it easier to stay on course – especially with market ups and downs.
Tracking net worth with budgentis
Instead of maintaining a spreadsheet by hand, budgentis loads prices for stocks and ETFs (Yahoo Finance) and crypto (CoinGecko) automatically – you only enter the ISIN or ticker. Prices in foreign currencies are converted to euros. The dashboard shows your net worth and how it is split across accounts, investments and debts.
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