# Net-worth tracker — assets minus liabilities, no upload

> Track your net worth by listing assets and liabilities to see the total and how it changes. Runs in your browser, no upload. Informational only.

List your assets and liabilities to see your net worth and how it trends over time. Everything is stored on your device, and this is a tracking tool, not financial advice.

Net worth is the scoreboard for personal finance: one number that captures whether you're building wealth or treading water. Tracking it over time matters more than any single figure, because the trend reflects your habits.

Update it alongside your investing and debt work — grow the asset side with the DCA simulator and shrink the liability side with the Debt payoff planner.

## How to

1. **List assets.** Add cash, investments, property, and other assets.
2. **List liabilities.** Add mortgages, loans, and other debts.
3. **See net worth.** Assets minus liabilities gives your total.

## FAQ

### What is net worth?

The total value of everything you own minus everything you owe. It's the single clearest measure of overall financial position.

### How often should I update it?

Monthly or quarterly is common, so you can watch the trend rather than daily noise; the tool keeps your entries locally between visits.

### Is my financial data uploaded?

No. Your assets and liabilities are stored on your device, so this snapshot of your whole financial life stays private.


## Related tools

- [Debt payoff](https://www.safepaper.app/finance/debt-payoff)
- [DCA simulator](https://www.safepaper.app/finance/dca)
- [Rebalancing](https://www.safepaper.app/finance/portfolio-rebalance)
- [Cash-flow forecast](https://www.safepaper.app/finance/cash-flow)

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Canonical HTML: https://www.safepaper.app/finance/net-worth
Markdown: https://www.safepaper.app/finance/net-worth.md

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