Net Worth Tracker

How it works

Create a consistent snapshot of assets and liabilities

Choose a snapshot date and gather balances that are as close to that date as practical. Assets can include cash, investments, property, and other items with a current value you can reasonably estimate. Liabilities are outstanding amounts you owe, such as loan principal and credit-card balances. Use a single currency throughout the snapshot; currency selection changes labels and does not convert mixed-currency accounts.

Enter a property’s full value as an asset and its mortgage balance as a liability. Entering only home equity while also listing the mortgage would subtract the loan twice. Similarly, do not list the same investment both inside an account total and as a separate holding. Use names that help you recognize each item when you restore the calculation for a later date.

Net-worth example: 290,000 of assets and 185,000 of debt

Consider cash and savings of 15,000, investments of 25,000, and a home valued at 250,000. Total assets are 290,000. If the mortgage balance is 180,000 and other loans total 5,000, liabilities are 185,000. Net worth is therefore 105,000. Marking only cash and savings as liquid produces a liquid-asset total of 15,000.

The debt-to-assets ratio in this example is 185,000 ÷ 290,000, or approximately 63.79%. This ratio uses balance-sheet amounts. It is different from debt-to-income, which compares payment obligations with income over a period. A positive net-worth result also does not mean every asset can be converted to cash quickly or without selling costs.

Save monthly snapshots and read the trend

After calculating, give the result a recognizable name and save it. The history panel reads the saved snapshot dates and draws a trend once it has at least two distinct dates in the selected currency. If you save a correction for the same date, the latest saved version becomes that date’s chart point. Earlier saved records remain manageable in My workspace.

The change shown above the chart is the latest snapshot minus the earliest visible snapshot. It is a money difference, not an investment return. Contributions, purchases, debt repayments, asset-price changes, and updated valuations can all affect it. Use a consistent schedule and valuation approach if you want comparisons to be meaningful, and inspect the underlying records when a movement looks unexpected.

Keep liquidity, uncertainty, and local storage in view

Liquid assets are whatever asset rows you explicitly mark as liquid. The tool does not decide whether an account can be accessed immediately, whether a sale would trigger tax, or whether an asset has withdrawal restrictions. A retirement account, a home, and a checking balance may all contribute to net worth while serving very different practical purposes. Track emergency savings separately if immediate cash availability is your main question.

Finflo does not connect to financial institutions or refresh valuations. Every snapshot reflects your entries on its chosen date. Records are saved in this browser, so clearing site data removes the local copy. Use the workspace backup export to keep another copy or move the history to a different device. A negative net worth is displayed as entered; the chart does not clip debt-heavy snapshots to zero.

Net-worth snapshot: formula and assumptions

Net worth = total assets − total liabilities. Liquid assets are the asset rows you mark as liquid.

Use current asset values and outstanding principal balances on the same date. Include the full property value and its mortgage separately. Negative net worth is retained. Saved history compares only snapshots using the same currency; it does not fetch account balances or value assets automatically.

Worked example

Reference example currency: USD. These fixed examples do not change with your calculator preferences.

Using the Net-worth snapshot example:

Snapshot date

2026-10-01

Assets

Assets

Asset name	Current value ($)	Liquid asset?
Cash and savings	15000	Yes
Investments	25000	No
Home	250000	No

Liabilities

Liabilities

Debt name	Outstanding balance ($)
Mortgage	180000
Other loans	5000

Net worth = total assets − total liabilities. Liquid assets are the asset rows you mark as liquid.

Example result

• Save a named calculation to add a dated snapshot to the history below. Values stay in this browser unless you export or share them.

These are illustrative inputs. Change the values to explore a different scenario.

What to keep in mind

Use one currency throughout. Currency selection changes labels, not exchange rates. Calculate, then save a named scenario in My workspace to keep it in this browser; export a workspace backup to move it to another device.

Formula references

• Investor.gov: calculate your net worth (opens in a new tab)

References explain the underlying methods; they do not imply endorsement or individual professional review of Finflo.

Common questions