A net worth tracker that turns scattered account balances into a single, dated record of what you own, what you owe, and how the gap between them is changing over time. Instead of recalculating from scratch each month, you save a snapshot — a labelled, dated balance sheet — and the tool plots every snapshot on a trend chart so progress (or drift) is impossible to ignore. It is built for anyone tracking a financial independence goal, paying down debt, saving for a deposit, or simply wanting an honest quarterly picture of their finances.
How it works
Each snapshot has two columns: assets (cash, pensions, investments, property, vehicles, crypto) and liabilities (mortgage, loans, credit cards, overdrafts). You enter a current value for every line; the tool sums each column and subtracts liabilities from assets to give that snapshot’s net worth. Preset menus speed up data entry for the most common entries, and the “Clone latest” button copies your previous snapshot so each update only means changing the figures that actually moved.
The trend chart layers three things at once: a net-worth line across all snapshots, plus assets and liabilities as bars above and below the axis, so you can see whether growth is coming from rising assets, falling debt, or both. The headline panel shows your current net worth, the change since your last snapshot, and the total change (with percentage) since your very first one. A history table lists every snapshot with its period-on-period change. Everything is stored locally in your browser and can be exported to CSV for a spreadsheet or JSON for a full backup you can re-import on another device.
Example
Suppose your first snapshot in January shows £329,000 in assets and £239,400 in
liabilities — a net worth of £89,600. By May, disciplined saving and overpayments
push assets to £346,200 and shrink liabilities to £231,400. The new snapshot reads
£114,800, and the tracker reports a +£25,200 gain (about +28%) since the
baseline, with the chart’s line climbing steadily as the red liability bars shorten.
That single picture tells you more than any one account balance ever could.
| Snapshot | Assets | Liabilities | Net worth |
|---|---|---|---|
| Jan | £329,000 | £239,400 | £89,600 |
| Mar | £337,600 | £235,500 | £102,100 |
| May | £346,200 | £231,400 | £114,800 |
Every figure is calculated and stored in your browser — nothing is uploaded.