📈
Loading your net worth...
Enter your assets and liabilities
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Net Worth
💰
Total Assets
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Everything you own
📉
Total Liabilities
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Everything you owe
📊
Net Worth
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Assets minus debt
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Next Milestone
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Keep going!
🎯 The Verdict
Enter your numbers below.
💰 Assets (what you own)
Cash, investments, property, vehicles
📉 Liabilities (what you owe)
Mortgage, loans, credit cards
📊
Asset & Debt Detail
Every component of your net worth
🏆
Milestone Tracker
Celebrate every step of your wealth journey
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Growth Projection
Where your net worth could be in 5-30 years
Assets vs Liabilities
Asset Breakdown
Debt Breakdown
Net Worth Growth (8% annual)
Net Worth Report
Vault & Vessel Studio ·
📖
How To Use
Track the most important number in your financial life
🚀 Getting Started
1
List Your Assets
Cash, investments, property, vehicles — everything you own that has value.
2
List Your Liabilities
Mortgage, student loans, auto loans, credit cards — everything you owe.
3
See Your Net Worth
Assets minus liabilities = your net worth. This number is your financial scoreboard.
4
Track & Celebrate
Save monthly, watch trends, and celebrate milestones as your wealth grows.
📊 Terms Made Simple
Net Worth: Total assets minus total liabilities. This is the most honest measure of your financial health — more meaningful than income, savings rate, or any single account balance.
Debt-to-Asset Ratio: Total debt ÷ total assets. Under 50% is healthy. Over 80% means most of what you "own" is really the bank's. Below 30% is excellent.
Liquid Assets: Cash and investments you can access quickly (savings, brokerage). Property and vehicles are assets but can't be spent tomorrow. Liquidity matters for emergencies.
Milestones: Psychological checkpoints: $0 (debt-free), $10K, $50K, $100K (the hardest), $250K, $500K, $1M. Each one gets easier because compound growth accelerates.
🔒 Your Data, Your Device
No subscription · Runs in your browser · Private local file
No data uploaded anywhere · Works 100% offline — no internet needed
No data uploaded anywhere · Works 100% offline — no internet needed
⚠️ This is a directional estimate, not financial advice. Asset values fluctuate. Use current market values for the most accurate snapshot.