{"id":18717,"date":"2019-05-02T20:00:00","date_gmt":"2019-05-02T12:00:00","guid":{"rendered":"https:\/\/www.comparehero.my\/blog\/uncategorized\/what-is-your-net-worth.html"},"modified":"2026-03-27T12:34:10","modified_gmt":"2026-03-27T04:34:10","slug":"what-is-your-net-worth","status":"publish","type":"post","link":"https:\/\/www.comparehero.my\/blog\/finance-explained\/what-is-your-net-worth.html","title":{"rendered":"What Is Your Net Worth?"},"content":{"rendered":"\n<h2><strong>An Easy Way To Calculate Your Net Worth<\/strong><\/h2> \n<!--more--><p>The simplest way to describe net worth is the difference between what you <em>own<\/em> and what you <em>owe<\/em> \u2013 your assets minus your debts.<\/p> \n<h2 style=\"text-align: center;\"><span style=\"color: #339966;\"><strong>Net Worth = Assets \u2013 Debts<\/strong><\/span><\/h2> \n<p>To do this, you will need to list down your total assets value which include:<\/p> \n<ul> \n <li>The amount your checking and savings accounts<\/li> \n <li>The amount in your brokerage and retirement accounts<\/li> \n <li>The market value of your home<\/li> \n <li>The estimated value of the items in your home (resellable)<\/li> \n <li>The value of your car<\/li> \n <li>Cash value life insurance<\/li> \n <li>Investments (stocks, bonds, unit trust)<\/li> \n <li>Cash<\/li> \n <li>Rental income after deducting property loan and costs<\/li> \n<\/ul> \n<p>Then, you will also need to list down your total&nbsp;debts including:<\/p> \n<ul> \n <li>Home loans, such as a mortgage, home equity loan or line of credit<\/li> \n <li>Auto loan or lease<\/li> \n <li>Credit cards<\/li> \n <li>Student loans<\/li> \n <li>Other loans, such as a personal bank loan<\/li> \n<\/ul> \n<p>By doing this simple audit and calculation of your finances on an annual basis, you will be able to&nbsp;&nbsp;appraise yourself like the rich and focus on increasing your net worth instead of just making sure you have enough cash to survive on a monthly basis.<\/p> \n<h2><strong>Why Should You Care About Your Net Worth?<\/strong><\/h2> \n<h3>1. It Shows Your Financial Health Status Precisely<\/h3> \n<p>To achieve your financial goals, and whether you\u2019re on track, you need to find out your net worth so you can determine if you\u2019re financially fit. If you have a negative net worth, then it\u2019s a red flag for you to take steps in clearing your debts such as debt consolidation with a personal loan or a credit card balance transfer plan.<\/p> \n<p>See Also:&nbsp;<a href=\"https:\/\/www.comparehero.my\/blog\/3-debt-repayment-tools-become-debt-free-year\">3 Debt Repayment Tools To Use This Year<\/a><\/p> \n<h3>2. Know Where You\u2019re Spending Too Much<\/h3> \n<p>By listing down your&nbsp;debts, especially big-ticket items such as a car loan or house loan, you will able to identify if you are overwhelming yourself with too&nbsp;many expenses. This is also a good time to go into details of your spending especially on your credit card and make healthy adjustments to achieve a higher net worth.<\/p> \n<h3>3. It Is A Good Measurement To Set&nbsp;Financial Goals<\/h3> \n<p>By knowing how much your net worth is today, you can easily set the targeted net worth you want to achieve over the next 5 or 10 years by managing your assets (cash, savings, investments &amp; income-generating assets) as well as your&nbsp;debts carefully.<\/p> \n<p>Our advice? Be careful when taking on a new loan and make sure your debt service ratio does not exceed 50%, which is the safety limit set by the government agency, Agensi Kaunseling &amp; Pengurusan Kredit (AKPK). For those who do not know what is a debt service ratio, <a href=\"https:\/\/www.comparehero.my\/blog\/how-calculate-debt-service-ratio\">read this!<\/a><\/p> \n<p>In addition to that, you should try your best to focus on investing your money in assets that generate income. While you may think that buying a property is a good investment, it could actually be a liability given that you are paying off the mortgage every month. Property is only considered&nbsp;an asset once it manages to generate income that covers or is higher than your monthly mortgage repayment.<\/p> \n<p>Here are some guides for you to learn about investing in stocks &amp; unit trusts:<\/p> \n<p><a href=\"https:\/\/www.comparehero.my\/blog\/5-steps-to-start-investing-stock-markets\">Bursa Investing Series 1: 5 Simple Steps to Start Investing in The Stock Market<\/a><\/p> \n<p><a href=\"https:\/\/www.comparehero.my\/blog\/diy-unit-trust-fundsupermart\">FundSupermart.com shares insights for DIY unit trust investments<\/a><\/p> \n<p>In a way, managing your net worth is similar to managing a company\u2019s income statement and balance sheet. The bottom line is, make sure your income\/assets value is higher than your debts\/liability.<br> <\/p>\n","protected":false},"excerpt":{"rendered":"<p>An Easy Way To Calculate Your Net Worth<\/p>\n","protected":false},"author":268230141,"featured_media":60198,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_hide_featured_image":false,"_jetpack_featured_image_duplicate_dismissed":0,"_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"{title}\n\n{excerpt}\n\n{url}","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[419],"tags":[],"class_list":["post-18717","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance-explained"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Is Your Net Worth? 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