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# 資產淨值、負債和總資產是如何計算的？

淨資產、負債和總資產的計算方法如下。

**1. 淨資產：每個帳戶初始金額 + 收入合計 - 支出合計 + 外匯損益(如果有外幣轉帳)** 

→實際擁有的全部錢

**2.負債：信用卡或者借入型帳戶沒有償還的欠款金額**

**3.總資產：淨資產＋負債**