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About this tool
List assets and liabilities to get your net worth, liquidity, debt-to-asset ratio and asset mix.
Net worth is everything you own at today's realisable value minus everything you owe at outstanding principal — one number that a bank balance or a salary slip cannot give you. This tracker builds that statement from itemised assets and liabilities and then reports the three ratios it exists to expose: the share of assets that is genuinely liquid, the split between financial assets and property, gold and vehicles, and the debt-to-asset ratio. Everything is computed in the browser and nothing is stored.
Open Net Worth Tracker Tool on AltFTool — it loads instantly in your browser.
Enter the values you already know.
Fine-tune the options to match your scenario.
Read the result and use it in your planning or reporting.
EPF, PPF and property are counted as assets but not as money you can reach this week.
Debt-to-asset and months-of-expenses liquidity say more about resilience than the headline figure.
The statement is calculated locally in your browser; no figures leave the page.
Add the current realisable value of everything you own — bank balances, deposits, mutual funds, EPF and PPF, property, gold, vehicles — and subtract every outstanding borrowing, including the credit card bill. The result can be negative early in a home loan, which is normal.
Total liabilities divided by total assets is commonly reviewed once it passes 50%, and above 80% there is very little cushion if asset values fall. Early in a home loan a high ratio is expected; what matters is that it falls steadily as the principal is repaid.
Yes — both are assets you own, so both belong in the statement. Keep them separate from liquid assets, though, because a flat cannot be sold in slices and EPF, PPF and NPS have withdrawal restrictions, so a large net worth can still leave you short of cash in an emergency.
One rough yardstick from The Millionaire Next Door is age × annual pre-tax income ÷ 10; twice that figure is called a prodigious accumulator and half of it an under-accumulator. Treat it as a conversation starter, not a target — it penalises anyone young, recently qualified, or who has just repaid a large loan.
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