NetWorth Pro Help Documentation

A complete guide to the net worth calculator, from your first item to your financial freedom number.

Last Updated: November 9, 2026

1. Getting Started

1.1 What you need

• A modern browser (Chrome, Edge, Firefox, Safari or Opera) with JavaScript enabled, on a computer, tablet or phone
• Site data allowed for zerodataupload.com, so your figures are kept between visits
• Your latest statements, or rough figures: an estimate today is better than a perfect sheet never started

1.2 How the page is laid out

At the top left the toolbar shows your net worth and how many items and snapshots are saved; on the right are Hide amounts and Help. The five tabs below choose the view: Overview, Balance sheet, History, Plan and Settings. Each view is made of cards; on a wide screen some stand side by side.

1.3 The first time

The overview starts with quick buttons: choose a kind such as Savings account or Home loan to add your first items, Try an example household to look around with made-up figures, or Restore a backup. While the example is open a banner says so; Clear example and start my own empties the sheet and keeps your settings.

2. Adding What You Own

1. Choose Add something you own (on the Balance sheet, or press A).
2. Pick the kind: bank and cash, deposits, mutual funds, shares and ETFs, bonds and debt funds, retirement (EPF, PPF, NPS, pension), gold and silver, the home you live in, other property and land, business and private shares, crypto, insurance with a cash value, vehicles, money owed to you, valuables, or other.
3. Give it a name and its value today, and its currency if it is not your main one.
4. Optionally, the expected growth a year (left empty, the rough guess for its kind is used) and what you add each month, such as a SIP or your EPF contribution; the projection uses both.
5. Check how quickly you could use it and whether it should count toward financial freedom; both start from the usual choice for the kind.
6. With more than one person in the household, choose who it belongs to or Joint. A note can hold anything useful, such as a maturity date.

3. Adding What You Owe

Choose Add a debt (or press D), pick the kind (home, vehicle, education, personal, gold or business loan, credit cards, owed to family or friends, taxes and bills due, other debts), and type the amount owed today. Add the interest rate a year and the monthly payment (EMI) from your statement: the window then says when the loan will be paid off and about how much interest you will pay on the way, or that the payment does not cover the interest. Left empty, a typical rate for the kind is used.

4. Typing Amounts

• 12.5L, 12.5 lakh, 12.5 lacs or 12,50,000
• 1.2 cr, 1.2 crore or 1,20,00,000
• 50k, 2.5m, 1.1bn or 3 trillion
• 45000 + 12000 - 3000 or 2 * (10k + 5k) to work out a total
• A currency sign or code in front is ignored: Rs 500, $1,200.50, S$900, USD 75

The line under the box shows how the amount was read before you save. Amounts are positive: a debt goes on the owe side.

5. The Overview

• Net worth, with the full amount and the change since your last snapshot before today.
• The balance bar: what you own on top, coloured by kind; below, what you owe and what is yours, on the same scale. Point at or focus a part to read it.
• Four readouts: net worth without home and vehicles, what is available now, debt to assets and your progress to financial freedom.
• Biggest things you own and how quickly you could use it.
• Trend: your snapshots of the last 12 months.
• Looking ahead: net worth in 10 years, the next milestone (such as 2 Cr), when you could be debt-free and when you could reach financial freedom, with your age if you gave it.
• With a household, By person gives each person's net worth, joint items on their own line.

6. The Health Checks

Each check is marked Good, Fair, Needs work or Add data. The thresholds are common rules of thumb, not guarantees:

• Own more than you owe: whether your net worth is positive.
• Debt to assets: under 30% good, 30 to 50% fair, above 50% needs work.
• Emergency cover: months of spending your bank balances and deposits would cover; 6 or more good, 3 or more fair.
• High-interest debt: any debt at 15% a year or more.
• Loan payments: monthly payments as a share of income after tax; up to 30% good, up to 40% fair.
• Investing: what you invest each month as a share of income; 20% or more good, 10% or more fair.
• Available now: 15% or more of what you own good, 5% or more fair.
• One place: an item worth more than half of everything you own.
• Up to date: values not updated in three months, with a link to Update values.

7. The Balance Sheet

What you own and what you owe, each grouped by kind with subtotals, a total with the accounting double rule, and your net worth at the bottom. On a phone, a switch at the top shows one side at a time.

• Change an amount in its row: type the new value and press Enter (it saves and moves to the next row) or click away; Esc puts the old amount back. Items in another currency show their value in your main currency under the box.
• Edit the details: click the name or the pencil button. The window also has Delete; a message lets you undo a deletion for a few seconds.
• Find an item by name, kind or note, and with a household, show one person's items.
• Under each item: its rate and monthly amount, and when it was last updated; values older than three months are marked.

8. Update Values and Snapshots

Update values (or U) lists every item with its current value. Type today's balance next to the ones that changed, pressing Enter to move down; leave a box empty to keep the old value. The line at the bottom shows your new net worth and the change. With Record a snapshot for today ticked, saving also records the month.

Record snapshot (or S) records today's totals and every item's value without changing anything. Recording again on the same day replaces that day's snapshot. Add a past month, on the History view, takes a date and the totals you owned and owed then.

9. History

• The chart: choose a period (6 months, 1 year, 3 years, 5 years or all) and the lines (net worth, what you own, what you owe). Point at the chart, or focus it and use the arrow keys, to read each snapshot.
• Readouts: the change in the period with its yearly rate, the average change a month, and the best and worst step between two snapshots.
• What changed: pick two snapshots to see which items moved your net worth and by how much. Past months added by hand hold totals only.
• All snapshots: every snapshot with its totals and the change from the one before, and a button to delete it.

10. About You

At the top of the Plan view: your age, monthly income after tax, monthly spending, everything you invest each month (including the amounts already set on items, such as a SIP or EPF) and the age you would like to stop working. The health checks and every plan use them. Amounts are in your main currency.

11. The Projection

Your net worth for 1 to 40 years ahead, worked out month by month: each item grows at its rate and gets its monthly addition, investing beyond the amounts set on items goes into a new pot at your return on new investing, and each loan is paid down by its monthly payment. Tick When a loan is paid off, invest its monthly payment instead to keep that money working. The shaded range shows returns two points lower and higher; Today's money takes your inflation rate out.

Below the chart: net worth at the end with its range, the month you could be debt-free (or how many loans' payments do not cover their interest), the month you could reach financial freedom, the milestones you would pass, and a year-by-year table. Growth rates used lets you change the rough guess for every kind you own.

12. Financial Freedom

Set the monthly spending you plan for (left empty, your spending now) and the safe withdrawal rate (4% is a common rule of thumb; many planners use 3 to 3.5% for retirements longer than 30 years). Your number is a year of spending divided by the rate. The page shows what you have that counts toward it, the projected month you reach it, your progress, what your investments could pay each month today, and with your age, Coast freedom: the amount that would grow to your number on its own by the age you stop working. The items counted and left out are listed; change them in each item's details.

13. Debt Payoff

Type the extra you can pay each month. Three columns compare paying each loan only as scheduled, highest interest first (the avalanche) and smallest balance first (the snowball), each with the month you would be debt-free, the interest paid and what it saves; the cheaper one is marked Least interest. The timeline shows the month each debt is cleared in the plan you choose, and the details table gives every debt's rate, payment and interest. Debts without a monthly payment are listed with a link to add one. Real loans can differ slightly because of fees, rate changes and prepayment rules.

14. A Net Worth Goal and Comparisons

Goal: choose an amount and a month. The page says whether the projection gets there, with returns two points lower too; if not, how much more a month invested at your return on new investing would close the gap, or when you would reach it without changes, and the growth a year you would need if you added nothing.

Compare needs your age and income. It gives the rule of thumb from The Millionaire Next Door (expected net worth is your age times your yearly income, divided by ten) and where you stand on it, and a table of the median net worth of US families by age from the US Federal Reserve's Survey of Consumer Finances 2025, with your net worth in dollars at your rate. Both are rough yardsticks.

15. Settings

• Main currency: totals, charts and plans use it; amounts under About you and in your plans are converted when you change it.
• Group digits: automatic (lakh and crore for rupees, thousands for others), lakh and crore, or thousands and millions.
• Totals and charts: short (1.42 Cr) or full (1,42,35,000).
• Exchange rates: for each other currency your items use, the value of 1 unit in your main currency. They start at the European Central Bank's reference rates of 6 November 2026; type today's rate for accurate totals.
• Household: add, rename or remove people. Items of a removed person move to the first person.
• Privacy on screen: blur amounts every time the page opens.

The light and dark theme follows the round button at the top right of every page of the site.

16. Your Data, Backups and Printing

Everything you enter is kept in this browser's storage on this device; nothing is uploaded. Under Settings, Your data:

• Export backup saves a file with all your items, snapshots, plans and people, and notes the date of your last backup.
• Restore a backup reads such a file (or one from the earlier version of this tool) and, after you confirm, replaces everything.
• Items as a spreadsheet and History as a spreadsheet save CSV files for Excel, Google Sheets or LibreOffice.
• Print a statement prints a one-page personal balance sheet; the browser's own Print command prints the same.
• Load the example household replaces your figures with made-up ones after asking.
• Delete everything removes every item, snapshot, plan and person NetWorth Pro keeps in this browser and leaves the rest of the site alone.

Hide amounts at the top blurs every amount on the page until you press it again (or press H).

17. Keyboard Shortcuts

• A add something you own, D add a debt (outside a text box)
• U update values, S record a snapshot, H hide or show amounts
• 1 to 5 the five views; ← and → move between the tabs
• In a row's amount box, Enter saves and moves to the next row, Esc puts the old amount back
• On a chart, the arrow keys read each point, Shift with an arrow jumps further, Home and End go to the first and last
• ? the help window; Esc closes a window

18. How It Was Checked

The working-out was checked against a reference written separately from the standard formulas, on thousands of cases:

• more than 11,000 amounts typed in different ways (lakh and crore, millions, sums, currency signs), and every amount the tool writes, read back the same in all 15 currencies
• the projection, month by month, against compound growth, the future value of monthly additions and the balance of a loan after any number of months
• debt payoff as scheduled, highest interest first and smallest balance first, and the month a single loan is cleared, against the loan formula
• the financial freedom number and date, and every health check and its threshold
• damaged or hostile backup files, which are cleaned to safe values before anything is shown

The results are only as good as the figures and growth rates you give: treat them as estimates to plan with.

19. Troubleshooting

• My figures are gone. They are kept per browser and device; a private window, clearing the browser's data or another browser starts empty. Restore your latest backup.
• A message says the browser is not letting the tool save. Site data is blocked, or the browser's storage is full. Allow site data for zerodataupload.com, and export a backup before you close the page.
• A total in dollars looks wrong. Check the rate under Settings, Exchange rates; the starting rates are from 6 November 2026.
• Debt-free says "Not in 25 years". A loan has no monthly payment, or its payment does not cover the interest. Add or raise the payment in the loan's details.
• The amounts are blurred. Hide amounts is on; press it or H. To stop it happening on every visit, untick the box under Settings.
• Print a statement says to add items first. The statement lists your items, so add at least one. With no items, the browser's own Print command prints the page as it is.

20. Support

For questions the FAQ does not answer, use the contact form. Please describe what you did without sending your own figures.