🧮 Net Worth Snapshot
Assets minus liabilities, categorized.
What it does
Adds up everything you own, subtracts everything you owe, and shows the difference — your net worth — with a debt ratio.
When to use it
Track it quarterly. Net worth direction over time is a better measure of financial health than income alone.
Assumptions
- Enter assets at realistic current market values, not purchase prices.
- Only the net debt ratio is shown; it should fall as you repay loans.
Inputs
Pro tip
Focus on the debt ratio, not just the headline number. If liabilities are a large share of assets, prioritize paying down high-rate debt before aggressive investing — a guaranteed 36% saving beats a hoped-for 12% return.