Net Worth Tracker
Track assets, liabilities, and net worth locally with flexible account fields, currency selection, history snapshots, and CSV export.
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Assets
Liabilities
Save your first snapshot to start the history chart.
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What Is a Net Worth Tracker?
Net worth is the simplest single-number financial metric: Net Worth = Assets - Liabilities. Assets group into three buckets by liquidity (time to convert to cash): liquid (cash, checking, savings, money market — accessible same-day, no penalty), semi-liquid (brokerage stocks/ETFs/bonds — settle T+1 to T+2, may trigger capital gains tax), and illiquid (primary residence, retirement accounts pre-59.5, private equity, collectibles — sale takes weeks-months and often penalties or fees). Liabilities group by secured vs unsecured: secured (mortgage, auto loan — backed by collateral, lower rates 6-8%) and unsecured (credit cards 18-29%, personal loans 8-15%, student loans 5-10% US federal). The tracker accepts entries per category, sums them, and computes net worth = sum(assets) - sum(liabilities). It distinguishes personal NW (just your accounts) from household NW (you + spouse / partner / dependents); married couples in community-property states (US: CA, TX, AZ, ID, LA, NV, NM, WA, WI) legally own marital assets jointly regardless of which name is on the deed, so household NW is the meaningful figure for major financial decisions.
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 separately compute pre-tax-discount (a $500K Traditional 401k is worth ~$375K after future tax at 25% retirement bracket; a 401k value haircut toggle handles this if you want net-of-future-tax NW). 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 total assets, total liabilities, net worth, and the liquid net worth subset (just cash + brokerage minus credit-card debt) — the figure that matters in an emergency where you need cash within 30 days.
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 2025 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.
Frequently Asked Questions
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.
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