Assets minus debts, tracked over time — save a monthly snapshot and watch the trend chart tell the real story. Auto-saves in your browser; CSV export. Free.
| Asset | Value ($) |
|---|
| Debt | Balance ($) |
|---|
| Date | Assets | Debts | Net worth | Change |
|---|
💾 Saves in this browser only. Snapshot monthly — same day each month gives the cleanest trend.
Income tells you what flows in; net worth tells you what stayed. Everything you own (home at market value, super, savings, car, shares) minus everything you owe (mortgage, cards, car loan, HECS if you choose to count it) — one number, and more importantly, one direction. A single reading means little; twelve monthly snapshots reveal whether your financial life is compounding or leaking, and the chart makes a mortgage quietly shrinking visible in a way bank statements never do.
Value assets honestly — cars at what they'd sell for, not what you paid — and keep categories consistent between snapshots so changes are real, not definitional. The property side of the balance sheet gets its own detail in the Property Portfolio Tracker, shares in the Investment Portfolio Tracker, and the paydown plan in our Budget & Debt Tracker.
What should I include as assets?
Home and property at realistic market value, superannuation, cash and savings, shares and ETFs, vehicles at resale value, and anything genuinely sellable. Skip household contents unless unusually valuable.
Should HECS/HELP debt be counted?
Purists say yes; pragmatists often exclude it since repayment is income-contingent with no interest in the usual sense. Either is fine — just be consistent every snapshot.
Is superannuation really part of net worth?
Absolutely — for many Australians it's the second-largest asset after the home. It's your money; you just can't touch it yet.
How often should I take a snapshot?
Monthly, same date. More often just records market noise; less often hides the trend you're trying to see.
Is my financial data private?
Yes — everything stays in this browser on this device, never uploaded. Export the CSV as your backup.