NET WORTH
—Latest month YOUR FINANCES, IN FOCUS
See the full picture
of your money.
Drop in your monthly CSV or Excel spreadsheet. See your income, expenses, cashflow, and net worth come together—without creating an account.
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START YOUR ANALYSIS01 / 02
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02 / YOUR FINANCIAL WORKSPACE
Understand your money.
Your analysis will appear after you select a file.
Clarity starts with one file.
Download the template, enter your monthly numbers, then open it here to visualize the trends.
WEALTH AT A GLANCE
Latest actual monthOverview
How your balances and monthly cashflow fit together.
MONTHLY INCOME
—Latest actual monthMONTHLY EXPENSES
—Latest actual monthNET CASHFLOW
—Income minus expenses01 / WEALTH
ACTUALNet worth over time
02 / FLOW
Income vs. expenses
03 / MOVEMENT
Monthly net cashflow
04 / PORTFOLIO
Where your wealth sits
05 / EFFICIENCY
Savings rate
06 / FINANCIAL HEALTH
Your financial pulse
FINANCIAL ASSETS—Liquid + brokerage + retirement
LIQUID RUNWAY—Liquid funds ÷ average monthly spending
AVG NET CASHFLOW—Across the selected review period
PERIOD SAVINGS RATE—Aggregate income minus spending
MONTHLY FLOW
Cashflow
Income and spending, broken down into the numbers driving change.
BEST CASHFLOW MONTH
—HIGHEST SPENDING MONTH
—AVG MONTHLY CASHFLOW
—Across the selected periodAGGREGATE SAVINGS RATE
—01 / CASHFLOW COMPOSITION
ACTUALWhere the money goes
02 / TRENDS
Income vs. expenses
03 / WHAT CHANGED
Since the prior reported month
04 / MONTHLY DETAIL
Month-by-month breakdown
| MONTH | REGULAR INCOME | OTHER INCOME | REGULAR SPEND | ONE-OFF SPEND | NET CASHFLOW |
|---|
YOUR BALANCE SHEET
Assets
Track each component of wealth and understand changes in your balances.
FINANCIAL ASSETS
—Cash, brokerage & retirementLIQUID ASSETS
—Checking + CD/MMFRETIREMENT ASSETS
—401(k), Roth IRA & HSAHOME EQUITY
—Home value minus liabilities01 / BALANCE GROWTH
ACTUALAsset growth by category
02 / CURRENT ALLOCATION
Portfolio composition
03 / CONTRIBUTION ANALYSIS
What drove the change?
Changes in asset balances include deposits, withdrawals and market moves. They are not investment returns.
04 / TOTAL BALANCE
Net worth, financial assets & home equity
PERSONAL PLANNING
Goals
Three practical targets, grounded in the financial data you supplied.
YOUR TARGETS
Customize your goals
These are temporary assumptions in this browser session. They are never uploaded or saved.
01 / WEALTH TARGET—
Net worth goal
—Target
Remaining—
Illustrative pace—
02 / EMERGENCY FUND—
Cash reserve
—Target
Remaining—
Illustrative pace—
03 / SAVINGS RATE—
Save more of what you earn
—Target
Gap to target—
Extra monthly savings—
NEXT MOVES
ILLUSTRATIVEAction plan
Pace estimates hold your recent average monthly cashflow constant. They are planning illustrations, not guaranteed forecasts or personalized advice. Months with missing or zero activity can distort historical averages.
FORWARD VIEW / HYPOTHETICAL
Projection
Explore how explicit growth assumptions and future contributions could change your net worth.
INVESTED ASSETS
—Brokerage + retirementHOME EQUITY
—Hypothetical year-end balancePROJECTED NET WORTH
—Selected scenarioWEALTH GOAL ETA
—Based on your Goals target01 / HYPOTHETICAL GROWTH
PROJECTED · NOT ACTUALProjected wealth
Scenario comparisons
Starting values are Actual from your file. Everything after that date is a hypothetical projection. Conservative/Base/Optimistic scenarios shift annual growth rates by −3/0/+3 percentage points; contributions stay unchanged.
02 / ASSUMPTIONS
Growth & contributions
Base annual rates are illustrative defaults—not inferred investment returns or guaranteed market performance.
Historical balance changes
Select financial data to see history.
These are differences between reported balances, not annualized returns. They may include deposits, withdrawals, debt repayment and market changes, so they do not set future growth assumptions.03 / LONG-TERM GOALS
SELECTED SCENARIOProjected net worth milestones
The wealth goal ETA uses the amount and home-equity choice from the Goals tab. Balances are compounded monthly; current liquid assets remain flat. New monthly contributions are assumed to come from future income, so they are not deducted from today's liquid balance. Inflation, taxes, fees, income changes, debt amortization and untracked cashflows are excluded.
U.S. FINANCIAL COMPARISONS
Benchmarks
Understand your financial position against published household reference statistics.
COMPARISON CONTEXT
Choose a reference household
No profile is inferred from your financial file. Selections exist only while this analysis is open and are never stored.
01 / NET WORTH
Your wealth vs. reference medians
Independent national, age and housing medians are not a matched peer cohort. Figures are inflation-adjusted to 2025 dollars.
02 / SPENDING
Household spending reference
BLS spending references are historical survey averages, not spending targets. Your average uses the selected review window.
03 / NATIONAL DISTRIBUTION
U.S. HOUSEHOLDSEstimated national net worth thresholds
Thresholds are SCF-derived estimates and should not be interpreted as your precise percentile, especially after adjusting dollar values for inflation.
HISTORICAL REFERENCE DATA · 2025 CPI-U DOLLARS
Federal Reserve SCF 2022
BLS Consumer Expenditure 2024
Estimated distribution reference
HISTORICAL CHARTS = ACTUAL FILE VALUES · PROJECTION CHARTS = HYPOTHETICAL MODEL OUTPUTS · NOT VERIFIED BANK DATA OR INVESTMENT ADVICE.
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