Track what you own versus what you owe. It is completely normal to start negative — the goal is watching the trend move upward.
As a student, you are investing in your highest-value asset: your earning potential. Most graduates start their careers with negative net worth due to student loans. The number that matters is the trend — use this tracker to confirm you are moving in the right direction each semester.
Asset and liability values are self-reported estimates. This tool is for educational purposes only and does not constitute financial advice.