This tool never sees your money. Everything you type stays in this browser. Nothing is sent anywhere, there is no account, and no bank is ever linked. Clear it any time and it is gone.
Assets (what you own)
Liabilities (what you owe)
Assets minus liabilities. It can be negative, and that is common early on.
Debts (balances you are paying down)
Emergency fund
Cash savings divided by monthly expenses. This is how long your savings would last if your income stopped and your spending held steady.
How the numbers are worked out
Net worth is your assets minus your liabilities: everything you own, less everything you owe. Total debt is just the sum of the balances you are still paying down. Your emergency fund reading is your cash savings divided by your monthly expenses, which is the number of months your savings would cover if your income stopped and your spending held steady.
Assumptions and limits
- The math is a snapshot of the numbers you enter, at this moment. It does not track changes over time.
- It uses whole dollars and does not adjust for inflation, taxes owed on assets, or the interest still accruing on debts.
- The emergency fund reading assumes your spending stays level. Real spending moves, so treat it as a rough runway, not a guarantee.
Where your data lives
In your browser, and nowhere else. The tool saves what you type to this device using your browser's local storage, so it is still here when you come back. It makes no network calls with your figures, so nothing reaches our servers or anyone else's. Clear it with the button and it is gone. Note that anyone with access to this device and browser could open the page and see it, so use a private device.
What this tool is NOT
This is not advice, and it does not tell you what to do with your money. It sets no targets and calls no number good or bad. It is not a budget, a financial plan, or a projection of the future, and it is not a substitute for a professional who knows your full situation. It only shows you your own numbers and the arithmetic behind them.