Log your assets and liabilities, save monthly snapshots, and watch your net worth grow over time. Everything stays in your browser — private and offline.
🔒 100% private. Your financial data never leaves your device. This tool uses your browser's local storage — no server, no account, no cloud.
Net Worth
$0
No previous snapshot
Total Assets
$0
0 items
Total Liabilities
$0
0 items
Debt Ratio
—
liabilities / assets
Net Worth Over Time
Net Worth
Assets
Liabilities
Save your first snapshot below to start tracking your progress.
💰 Assets
$0
💳 Liabilities
$0
Asset Breakdown by Category
Add assets to see breakdown.
Monthly Snapshots
Understanding Your Net Worth
What counts as an asset?
Anything you own that has monetary value: bank accounts, savings, investments, pension funds, property value, vehicles, and any other valuables. Include the current market value, not what you originally paid.
What counts as a liability?
Any outstanding debt you owe: mortgage balance, personal loans, credit card balances, student loans, car finance, and any money owed to others. Use the current outstanding balance, not the original loan amount.
What is a healthy net worth?
A common rule of thumb is: net worth = age × gross income ÷ 10. For example, a 35-year-old earning $50,000 would target $175,000. However, at younger ages a negative net worth (due to student loans) is completely normal. The most important metric is the direction — is it growing over time?
How often should I update this?
Monthly snapshots are ideal for tracking progress without obsessing over short-term fluctuations. Save a snapshot on the same day each month — the first of the month is a good habit. Over 12+ months you'll see clear trends.
Advertisement
Frequently Asked Questions
How often should I update my net worth?
Monthly snapshots strike the best balance — frequent enough to spot trends, infrequent enough that market fluctuations don't cause anxiety. Choose a consistent date each month (e.g. the 1st) and log your balances at that point.
Should I include my pension in my net worth?
Yes — your pension is one of your most valuable assets. Include the current transfer value (or projected pot value) as an asset. However, note that pension funds are illiquid until retirement age, so consider tracking them separately from liquid assets.
What is a good net worth for my age?
A common rule of thumb: net worth = age × gross annual income ÷ 10. So a 40-year-old earning $50,000 would target $200,000. However this varies hugely by location and goals. The more useful metric is whether your net worth is increasing consistently over time.
🏆 Milestones
Track progress toward common net worth targets.
Growing your net worth? Start here
The most powerful lever is where you invest your surplus.