NetWorth ProA private balance sheet for everything you own and owe. Type amounts the way you say them (12.5L, 1.2 cr or 50k), keep money in 15 currencies, record a snapshot each month to see your trend, and plan ahead with health checks, your financial freedom number, a 40-year projection and debt payoff plans. Everything is worked out in your browser: nothing you type is uploaded.
Everything you own on one side, everything you owe on the other. Type a new amount in any row and the totals follow.
A snapshot freezes today's totals. Record one each month and this page shows how your net worth moves and why.
See where today's balance sheet leads: future net worth, the day work becomes optional, the fastest way out of debt and what a goal needs. Estimates to plan with, not promises or advice.
Currency, exchange rates, the people in your household and your data. Everything is stored in this browser only.
Shortcuts, outside a text box: A adds something you own, D a debt, U updates values, S records a snapshot, H hides amounts, 1 to 5 open the five views and ? opens the help. Esc closes a window.
Open Balance sheet and add your bank balances, deposits, mutual funds, shares, retirement accounts such as EPF, PPF and NPS, gold, property and vehicles. Rough figures are fine, and you can type them the way you say them: 12.5L, 1.2 cr or 50k.
Add home, car and education loans, personal loans, credit cards and money owed to family. Give each loan its interest rate and monthly payment (EMI), so the plans can show when it will be paid off and what it costs on the way.
Overview shows your net worth in one number, a bar of what you own against what you owe, how much you could use quickly, and health checks such as emergency cover, debt to assets and costly debt, each marked good, fair or needs work.
Update values walks through every item, takes today's balances and records the month. History then draws your trend, the change over any period and which items moved it. Figures from old statements can be added as past months.
Plan projects your net worth up to 40 years ahead, works out your financial freedom number and when you reach it, compares ways out of debt, and shows what a net worth goal needs each month. Add your income, spending and investing under About you first.
Your figures stay in this browser on this device. Settings exports a backup file to keep somewhere safe or move to another device, spreadsheets of your items and history, and a one-page statement to print.
Rupee amounts are grouped the Indian way (12,50,000) and other currencies in thousands (1,250,000), and short totals read 1.42 Cr or 1.42M. Type 12.5 lakh, 1.2 cr or 45000 + 12000 and the box works it out.
Each item keeps its own currency, so a brokerage account in dollars sits next to a rupee savings account. Totals use your main currency at exchange rates you can change in Settings.
Pick any two snapshots and see which items moved your net worth, by how much, and whether a loan shrinking helped. Best and worst months, the average change and the yearly growth rate come with it.
The projection works month by month, item by item, and shades what happens if returns are two points lower or higher. Amounts can be shown in today's money after inflation, so a big future number does not mislead.
No account and no upload: every figure is worked out by your own browser and kept on this device. The Hide amounts button blurs every number when someone is looking over your shoulder.
Add the people whose money is on the sheet, mark each item as theirs or joint, and see each person's net worth alongside the household's. The balance sheet can show one person's items at a time.
Net worth is what would be left if you sold everything you own and paid off everything you owe. It can rise while your bank balance falls, for example when a loan payment turns cash into a smaller debt. Because a home and a car are hard to spend, NetWorth Pro also shows your net worth without them and how much is available now.
A common rule of thumb says investments can pay out about 4% of their value a year, rising with prices, for around 30 years. Twelve months of spending divided by that rate (25 times a year at 4%) is the number at which work becomes a choice. Coast freedom is the smaller amount that would grow to it by itself by the age you stop working.
Both pay every minimum and put anything extra on one debt at a time, moving each cleared payment to the next. The avalanche picks the highest interest rate and usually costs the least; the snowball picks the smallest balance and clears whole debts sooner. Credit card interest of 3% a month is about 36% a year.
It is free, with no registration and no limit. Like every page on ZeroDataUpload, it is supported by advertising. Every total, chart and plan is worked out by your browser, and nothing you type is sent to a server. Your items, snapshots and settings are kept in this browser's storage on this device so they are there next time; Delete everything, under Settings, removes them. Export a backup now and then, because clearing the browser's data deletes them too.
No. NetWorth Pro is a calculator for reference. The projection, the freedom number and the goal use the growth rates you choose, and real returns, prices and interest rates will differ, so treat every figure as an estimate, not a promise. For decisions about investments, loans or insurance, speak to a registered adviser.
Type them the way you say them: 12.5L, 12.5 lakh or 12,50,000; 1.2 cr or 1.2 crore; 50k, 2.5m or 1.1bn. You can also add up several accounts in one box, such as 45000 + 12000 - 3000. Rupee amounts are grouped in lakh and crore and other currencies in thousands and millions; Settings changes this.
It is your monthly spending times 12, divided by the safe withdrawal rate: at 4% a year that is 25 times a year of spending. Only what you could live off counts toward it, so your own home and car are left out unless you change that in an item's details. The date you reach it comes from the projection, in today's money after inflation. Many planners use 3 to 3.5% for retirements longer than 30 years.
Paying the highest interest rate first (the avalanche) usually costs the least interest. Paying the smallest balance first (the snowball) clears whole debts sooner, which many people find easier to stick with. Debt payoff shows both side by side with the month each debt is cleared and the interest on the way, so you can see what the difference costs. Real loans can differ a little because of fees, rate changes and prepayment rules.
Two places. The first is the rule of thumb from The Millionaire Next Door by Thomas Stanley and William Danko: expected net worth is your age times your yearly income, divided by ten. The second is the median net worth of US families by age from the US Federal Reserve's Survey of Consumer Finances 2025. Both are rough yardsticks: the book uses income before tax, and costs of living differ by country.
BudgetSnapshot tracks one month's income and spending, and Payslip Studio makes salary slips. NetWorth Pro is the balance sheet: what you own and owe at a point in time, and how that changes from month to month. BudgetSnapshot tells you how much you save each month; put that figure in NetWorth Pro's Investing box and the projection uses it.