The Net Worth Tracker

What you own, what you owe, and which way the line is going.

List everything once, save a snapshot each month, and watch the gap between the two grow. It is one subtraction, and it is the clearest picture of your money there is.

  • One file, nothing to install
  • Works offline
  • No account, no bank login
  • Yours for one payment

Not finished yet. Send us a message and we will tell you the day it lands.

Why we made it

Your bank balance is not your financial position.

A balance tells you what is in one account today. It says nothing about the car loan, the mortgage, the savings pot or the money a friend still owes you.

Net worth is the whole picture in one number: everything you own minus everything you owe. Watched over a year, it is the only number that tells you honestly whether things are getting better.

Inside the tool

One number, one snapshot a month

No accounts to connect and nothing to sync. You type it in, which is also what makes you look at it.

01

Overview

Net worth, what you own, what you owe, and the change since your last snapshot. Every currency is shown on its own line, never converted into a made up total.

  • Net worth
  • Owned
  • Owed
  • Change
Net worth overview with the change since last month
02

The line

A snapshot a month builds a chart of where you are heading. A dip is information, not failure, and the tool never hides one.

  • Monthly snapshots
  • The chart
  • Since you started
History table of monthly snapshots
03

What you own

Cash, savings, property, a car, valuables, money owed to you. Use what things would actually sell for today, not what you paid for them.

  • Seven types
  • Any currency
  • Notes
The list of things you own
04

What you owe

Cards, loans, car finance, a mortgage, money you owe a person. Balances left, not the original amounts, so the picture is the real one.

  • Seven types
  • Balances left
  • Any currency
The list of what you owe

Honestly

Who it is for, and who it is not

Made for you if:

  • You have savings and debts in several places
  • You want one number that tells you if things are improving
  • You are paying down a mortgage or a loan and want to see it working
  • You would rather keep your numbers off a company server

Give it a miss if:

  • You want live share or property prices, which an offline file cannot fetch
  • You want investment advice, which we do not give
  • You would never sit down once a month to update it

Your data

It never leaves your device

There is no account, no login and no server. Everything you type is kept by your own browser, on the machine you typed it on. We cannot see it, because it never reaches us.

Save a backup file whenever you like and load it on another device or after a reinstall. That file is plain readable text, so you are never locked in.

Price

One payment, then it is yours

The Net Worth Tracker

$12.99

One-time payment. Instant download.

Everything included

  • The the Net Worth Tracker file, yours to keep
  • A 8 page guide in PDF
  • Printable net worth sheet and a monthly snapshot log
  • Free updates to this tool, forever
Tell me when it is ready

We will message you once, when it is ready. Nothing else.

Want more than one? The Money Library holds every core tool in a single download, for less than buying them one by one.

Questions

Frequently asked

Does it track investments or crypto?

You can list anything you own and type its value, but the tool does not fetch prices, does not connect to a broker and gives no investment advice. It is a record, not an adviser.

How often should I update it?

Once a month is plenty, on the same day each month. Payday is the easiest to remember. Saving twice in one month just replaces the first one.

What about two currencies?

Each currency keeps its own line and its own history. Nothing is converted, because an exchange rate you invented would make the whole number wrong.

What if my net worth is negative?

Then the chart starts below the line and climbs, which is exactly what it should do. A negative number is a starting point, not a verdict.

Is it really one payment?

Yes. $12.99 once, the file is yours, and updates to this tool are free.

Take the first snapshot today.

Tell me when it is ready

In the works