Net worth is what you own minus what you owe. It is a snapshot of your overall financial position: savings, investments, property, and other assets, minus debts like loans and credit card balances.

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How to calculate net worth\n

Add up the current value of assets (cash in your Bank Account, Savings Accounts, investments, crypto, and major possessions). Subtract liabilities (mortgage, student loans, consumer debt). The result is your net worth.

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Net worth changes over time as you save, invest, pay down debt, or as market prices move. Tracking it periodically, not obsessively, helps you see whether you are building wealth or relying too heavily on borrowing.

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Net worth vs income\n

Gross income and net income measure earnings. Net worth measures accumulated wealth. A high salary does not automatically mean high net worth if spending and debt outpace saving.

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bunq gives you a clearer picture by keeping banking, savings, stocks, and crypto in one place, so you spend less time exporting spreadsheets and more time acting on what you learn. Use Budgeting to align day-to-day spending with long-term growth.