Money Tools · My Numbers

The money tracker that never sees your money.

Track your net worth, your debt, and how many months of expenses your savings would cover. Everything you type stays in this browser. No account, no bank link, no server.

Set it up once

Enter what you own, what you owe, and your real monthly expenses. Five minutes, rough numbers are fine.

Log once a month

Come back, check the number, press Log it. The board redraws itself. That is the whole habit.

It stays yours

Everything lives in this browser, on this device. Nothing is uploaded, ever.

Net worth · right now

Assets minus liabilities, from your worksheet below. Log it to start the trend.

Log your net worth each month to draw the trend.

One dot per monthly log

Net worth to logPrefilled from your worksheet: everything you own minus everything you owe. Edit it if you want to log a quick number instead.

Emergency fund

Months of your real expenses covered

-- / 6add expenses in the worksheet

Debts, draining down

What is left of each balance · a cleared debt turns gold and stays

Add a debt in the worksheet below and it appears here as a tube.

Update a balance in the worksheet whenever you make a payment. A balance at zero is a trophy here, not a deletion.

Put this on your site

Free embed · your visitors' numbers stay in their own browsers

<iframe src="https://clearmoneyschool.com/embed/my-numbers"
  width="100%" height="760" frameborder="0"
  title="My Numbers, a private money tracker by ClearMoneySchool"></iframe>

How the privacy holds in an embed: the tracker runs inside the frame and each visitor's numbers live in their own browser, same as here. Nothing reaches your server or ours.

Set it up once

Then log once a month

Enter what you own, what you owe, and your real monthly expenses. The console above reads straight from these numbers.

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)

Net worth$0

Assets minus liabilities. It can be negative, and that is common early on.

Debts (balances you are paying down)

Total debt$0

Emergency fund

Cash savings you could tapYour typical monthly expenses

Months your savings would coverAdd your expenses

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.