🧮 Net Worth Snapshot
Assets minus liabilities, categorized.
This gives a categorized breakdown of your net worth — total assets minus total liabilities — split by category (liquid, investments, real estate, retirement accounts, debts) so you can see composition, not just a single number.
It's a straightforward summation:
Net Worth = Total Assets − Total Liabilities
but the value comes from categorization — separating illiquid assets (real estate, retirement accounts you can't easily touch) from liquid ones (cash, easily-sold investments) gives a much more useful picture than a single aggregate figure. The retirement-account bucket is the bridge to Retirement Planning when you size what you'll actually live on.
Someone with 15,00,000 in investments, 50,00,000 in real estate, 5,00,000 in cash, and 20,00,000 in an outstanding home loan has a net worth of 50,00,000 — but only 20,00,000 of that is liquid, which matters a lot for short-term financial flexibility.
Counting illiquid assets (like a primary residence) the same as liquid ones when assessing financial flexibility, or forgetting smaller liabilities (credit card balances, personal loans to family) that don't feel like 'real' debt but still reduce net worth.
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.
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.