List all assets
Include cash and bank balances
Include investments
Include retirement accounts
Include real estate value
Include vehicles
Include business ownership value
Include valuable personal property
Add total assets
List all liabilities
Include credit card debt
Include student loans
Include mortgages
Include car loans
Include personal loans
Include medical debt
Include unpaid taxes
Add total liabilities
Subtract total liabilities from total assets
Net worth = Total assets – Total liabilities