Log your assets and liabilities, save monthly snapshots, and watch your net worth grow over time. Everything stays in your browser — private and offline.
Income tells you how much money flows through your hands. Net worth tells you how much you keep. Two people can earn identical salaries yet have wildly different net worths based on their saving, spending, and investing habits. Net worth — total assets minus total liabilities — is the single most important number for measuring financial progress over time. Tracking it monthly or quarterly reveals the real trajectory of your financial life.
Assets include everything you own with monetary value: cash and bank accounts, investment accounts (401k, IRA, brokerage), real estate equity (market value minus mortgage balance), vehicle values, business equity, and other valuable property. Liabilities include everything you owe: mortgage balance, auto loans, student loans, credit card balances, personal loans, and any other debts. Use current market values for assets — not what you paid for them.
According to the Federal Reserve's Survey of Consumer Finances, the median net worth by age group in the US is roughly: under 35 ($39,000), 35-44 ($135,000), 45-54 ($247,000), 55-64 ($364,000), 65-74 ($410,000). Note that median is the middle value — averages are much higher because wealthy households skew the data. Many financial planners suggest targeting a net worth of 1x your annual income by age 30, 3x by 40, 6x by 50, and 8x by 60.
Do not be discouraged if your net worth is negative — this is normal in your 20s when student loans and early career stages mean liabilities often exceed assets. The direction of change matters more than the absolute number. A net worth increasing by $500/month is solid progress regardless of the starting point.