One file · No login · Works offline · Yours forever
Assets by category, largest first. A single bar that is most of the chart is worth noticing — it is where your risk actually is.
Every month you have logged. This chart is the only thing feeding the projection on the Milestone Runway tab.
Every account holding value. Type is used for the Overview mix, so put the 401k under Retirement and the house under Property — it changes what the chart tells you.
| Account | Type | Balance | |
|---|---|---|---|
| Total assets | $0 | ||
Balance is what counts against net worth. Rate and minimum are here so the highest-rate debt is obvious at a glance — that is the one to kill first.
| Debt | Type | Balance | Rate % | Min / mo | |
|---|---|---|---|---|---|
| Total owed | $0 | — | $0 | ||
One row a month is the whole habit. Take Today’s Snapshot on the same day each month and everything else in this file — the trend, the rate, every projected date — computes itself from these rows.
| Month | Assets | Liabilities | Net worth | Change |
|---|
A snapshot for a month you already logged overwrites that row rather than adding a second one, so tapping it twice in a day cannot corrupt your history.
Every other net worth template charts where you have been. This one reads the months you have actually logged, measures your real average monthly change, and prints the calendar date you cross each milestone — no assumed 7% market return, just your own measured slope. Move the slider to see what an extra contribution does to every date at once.
Set the numbers that actually mean something to you. A target of $0 is the month your assets finally outweigh your debts — for most people that is the first one to land, and it is worth marking.
| Label | Target net worth |
|---|
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