Calculate and track net worth over time with asset/liability categories, trend charts, and milestone markers.
Net worth is a balance-sheet snapshot: the value owned minus the amount owed. Enter assets and liabilities by category, record snapshots on different dates, and use the trend chart and milestone markers to compare totals over time. The tracker adds the asset balances and subtracts the liability balances; a negative result means the recorded debts exceed the recorded assets. The common surprise is that income and spending are not entered directly. They matter only after they change an asset or liability balance.
A concrete input and expected output from the current implementation.
Input
Assets: Cash: $2,000 Investments: $3,500 Liabilities: Credit card: $500 Auto loan: $1,000
Expected output
Total assets: $5,500 Total liabilities: $1,500 Net worth: $4,000
The two assets total $2,000 + $3,500 = $5,500. The liabilities total $500 + $1,000 = $1,500, so net worth is $5,500 - $1,500 = $4,000.
Each dated snapshot separates balances into assets and liabilities. Every asset amount contributes to total assets, while every liability amount contributes to the amount subtracted. Category names organize cash, investments, property, cards, loans, and similar balances, but they do not change the arithmetic. Omitting a balance excludes it from both the category total and net worth.
A recorded snapshot supplies one dated net worth value to the trend chart. Later snapshots show whether the entered total rose or fell between dates. Milestone markers provide reference levels for targets or notable points; they are not assets and do not alter the calculation. Keeping the same categories and valuation approach makes successive snapshots meaningfully comparable.
Enter the home's estimated current value as an asset and the outstanding mortgage balance as a liability. Do not enter home equity as the asset and then subtract the mortgage again, because that counts the debt twice. If you choose to enter equity alone, omit the associated mortgage liability and use that approach consistently in later snapshots.
No. A milestone is a reference marker for comparing the calculated total with a target or notable level. It is not a transaction, asset, or liability. Reaching a marker means the net worth recorded for that date meets or passes the marked amount; the marker itself contributes nothing to either side of the calculation.
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