What if you cashed out now? Sold everything: car,  house, boat. Paid the debts and boiled everything down to a wad of cash (or a I.O.U. note) in your hand. Don't want to do that? Well you don't have to, but it is a good idea to know how that bottom line is doing. That is net worth, how you are financially if everything was cash and called on for collection. There are some handly online calculators, but for those who like to have some paper to work on and keep, here is our net worth calculation sheet for download. (PDF)