# 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 


---

# Agent Instructions: Querying This Documentation

If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter:

```
GET https://tiantianjizhang-tw-faq.swalloworkstudio.com/zi-chan-jing-zhi-fu-zhai-he-zong-zi-chan-shi-ru-he-ji-suan-de.md?ask=<question>
```

The question should be specific, self-contained, and written in natural language.
The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.