| Date | Total Assets | Total Liabilities | Net Worth | Change | Debt/Asset |
|---|
Allocating 50% of after-tax income to needs, 30% to wants, and 20% to savings/debt repayment is the simplest framework for growing net worth. If you earn $75,000 after tax, that's $15,000/year into wealth building. At 7% average market returns, this grows to $612,000 in 20 years — enough to reach median net worth for most age groups well ahead of schedule.
Credit card debt at 22% APR means paying it off delivers a guaranteed 22% return — better than any stock market average. Prioritize credit cards first, then personal loans, then student loans (which may have tax-deductible interest). Only after high-interest debt is cleared should you aggressively invest beyond employer 401(k) match contributions.
For the median American household, home equity represents 55–65% of total net worth. While this builds wealth through forced savings (mortgage payments) and appreciation (historically 3–4% annually), it creates concentration risk. Financial planners recommend keeping real estate below 40% of total assets and building liquid investments for flexibility and diversification.
This net worth tracker calculates your total assets minus total liabilities in real time as you enter values. Asset allocation percentages are derived from the six asset categories (cash, investments, real estate, retirement, vehicles, other). The debt-to-asset ratio divides total liabilities by total assets — lower is better.
Snapshots are saved to your browser's localStorage, meaning your data stays on your device and is never sent to any server. Historical tracking shows your net worth trend over time with change amounts between snapshots. Clear your browser data to remove all stored snapshots.