When calculating ones net worth do you count the value of a financed car to counter the debt owed on the car ?
When calculating net worth for personal financial statements we follow asc274 (accounting standard codification).
Assets and liabilities are presented at their estimated current value. This means: "The amount at which the item could be exchanged between a buyer and seller, each of whom is well informed and willing, and neither of whom is compelled to buy or sell."
We do not present deprecated cost.
We use accrual method of accounting ; receivables and payables are presented at the discounted cash flow rate, using an appropriate interest rate.