# Net Worth Tracker

> Free client-side net worth tracker with multi-currency support, flexible balance fields, net worth history charts, and CSV export. No account required.

- **Category:** Calculators
- **URL:** https://www.teafun.cyou/tools/net-worth-tracker/
- **Privacy:** Runs entirely in your browser — no uploads, no account, no tracking.
- **Also known as:** assets liabilities, wealth tracker, personal finance, net worth calculator, net worth, budget tracker, budget planner
- **Related tools:** [Salary Calculator](https://www.teafun.cyou/tools/salary/), [Tip Calculator](https://www.teafun.cyou/tools/tip/), [Invoice Generator](https://www.teafun.cyou/tools/invoice-generator/)
- **Tags:** Finance, Planning, Productivity

## About

Track assets, liabilities, and net worth locally with flexible account fields, currency selection, history snapshots, and CSV export.

## How to Use the Net Worth Tracker

Add accounts one at a time. Each row needs: category (Cash, Investments, Real Estate, Vehicles, Retirement, Other Assets — or — Mortgage, Credit Cards, Loans, Student Loans, Other Liabilities), label (e.g., 'Chase checking', 'BMW M3 2023'), and balance in your default currency. For retirement accounts (401k US, RRSP CA, ISA UK, Riester DE), enter the current market value not the contribution sum — the calculator does not adjust for future tax, so a $500K Traditional 401k counts as $500K here even though it might be worth closer to $375K after tax in a 25% retirement bracket — keep that in mind when you read the total. Real estate uses current market value minus outstanding mortgage = equity. Vehicles use current Kelley Blue Book / autotrader.it / Carsales.com.au value (depreciation matters: a 3-year-old car lost 30-40% of MSRP). The output shows your total assets, total liabilities and net worth, and you can save a dated snapshot to build a history chart and export the history as CSV.

## Why Tracking Net Worth Beats Tracking Spending

Tracking net worth monthly catches drift that monthly budgeting misses. You can stick to a budget every month and still see net worth flat or declining because: car depreciation (10-15%/year for new vehicles), credit-card interest compounding (a $5K balance at 24% APR grows by $1,200/year if untouched), or under-funded retirement (the Federal Reserve's 2022 Survey of Consumer Finances reports the median household NW at $192K but median **for 35-44 age cohort** is $135K — significantly below where the 4% retirement rule requires by 65). The tracker's monthly snapshot uses local-storage so 12 months of data lets you compute trailing-12-month net-worth change in dollars and percentage. Liquid NW is the emergency-readiness number: financial planners suggest 3-6 months of expenses in liquid form, and high earners (HENRY profile, $100K-300K income with low NW from high spending) are at higher risk than they realize because their illiquid retirement balances inflate total NW while emergency cash stays thin.

_SEO title: Net Worth Tracker – Local Asset Snapshot Tool | TeaFun_

## FAQ

### Does TeaFun connect to my bank?

No. This tracker is manual-only by design. Your balances stay private because you never have to link bank credentials.

### Where is the history stored?

History snapshots are stored in local browser storage on your device. Export CSV if you want an extra backup.

### What should I put in the retirement and wallet fields?

Use them for pension, retirement, e-wallet, or instant-transfer balances that do not fit your main cash or investment fields.