← Back to dashboard
Loading Net Worth Tracker…

Why tracking your net worth matters more than watching any single account

Net worth — everything you own minus everything you owe — is the single number that actually tracks progress toward financial independence. A rising retirement account balance can hide a growing car loan or credit card balance sitting right alongside it; net worth nets the two against each other, so it's much harder to fool yourself about how things are really going.

Most net worth trackers ask for one static value per item and stop there. This one goes further: every asset can carry its own growth rate (or, for something like a vehicle, a depreciation rate), and every liability can be modeled as a real amortization schedule. For loans, you only need to know any two of the three — interest rate, remaining amortization period, or monthly payment — and the third is solved for automatically, the same way a real mortgage or auto loan actually works. Cells also accept simple formulas, so you're not stuck doing math in a separate calculator before typing in a number.

Because every item has its own real growth or amortization behavior, the built-in projection isn't a flat straight-line guess — it's a genuine forward simulation of where your specific mix of assets and debts is headed. Log a new checkpoint whenever you update your numbers, switch to the mobile card view on a smaller screen, and export a JSON backup any time — nothing here is stored on a server, so a backup file is the only way your data leaves this browser.

Frequently asked questions

What is net worth and why should I track it?
Net worth is the total value of everything you own (assets) minus everything you owe (liabilities). It's tracked over time rather than as a single snapshot because it's the clearest single measure of whether you're actually building wealth — a growing investment account paired with growing debt can still mean your net worth is flat or falling, which a single account balance would never show you.
How often should I update my net worth?
Monthly or quarterly checkpoints are common — frequent enough to see a real trend, infrequent enough that day-to-day market noise doesn't drown it out. Each time you log a checkpoint here, it's added alongside your previous ones, so the trend builds up automatically rather than needing to be reconstructed from memory.
Should I include my home equity in net worth?
Most people do — add your home's current value as an asset with its own growth rate, and your mortgage as a liability with its own amortization schedule. Some people track a version without home equity too, since it's not typically a source of retirement income unless you plan to sell or borrow against it. Either approach is valid; the important part is being consistent over time.
What's the difference between an asset's growth rate and a liability's amortization?
A growth rate simply compounds an asset's value forward — useful for investments, cash, or anything appreciating or depreciating steadily (like a vehicle, using a negative rate). Amortization is the specific, declining-balance math a loan actually follows: interest rate, remaining term, and monthly payment are all connected, so entering any two lets the tracker solve for the third and produce a real payoff schedule instead of a rough estimate.
Can I enter formulas directly into the cells?
Yes — cells accept simple formulas, so you can combine numbers directly (like two account balances added together) instead of doing the math elsewhere first and typing in the result.
How does the liability payoff solver work?
Every amortized loan is fully described by three numbers — interest rate, remaining amortization period, and monthly payment — and any two of them determine the third. Enter whichever two you know from your loan statement, leave the third blank, and it's solved for automatically using the same math a lender uses, rather than asking you to track down or calculate a number you might not have handy.
Is my financial data stored anywhere?
No. Everything you enter is saved only in your browser's local storage — nothing is sent to a server, and there's no account or sign-in. That also means it's only available on this browser and device; use the dashboard's "Export all" button any time you want a backup file you can restore later or move to another device.