Saving and cash · Calculator

Net worth tracker.
+ Sovereignty score.

Track your assets, liabilities, and Bitcoin allocation. Get a sovereignty score and steps to take. Your data saves to your browser without an account.

Net worth is not a measure of liquid cash or a recommendation to hold a particular asset. The sovereignty score is this site's own yardstick, not a rating of your finances: it rewards Bitcoin share, low debt and inflation protection.

Enter assets and debts once

Do not enter home equity if you also enter the mortgage as debt: enter the full home value and the outstanding mortgage separately. Liquid net worth is a separate planning measure; this tracker’s total includes illiquid assets and is not spendable cash. See the definition and worked example.[1]

The question it answersWhat is my net worth, and how self-sovereign is my financial setup?

Rules: United States. Prices: uses the latest daily Bitcoin close in the site’s own data file, not a live quote; no price service is contacted. Privacy: runs in your browser. What you enter stays on your device.

Assets
= $6,007
BTC price as of 2026-09-19 snapshot
Liabilities
Sovereignty checks
Net worth
$0
Bitcoin %
0%
Sovereignty score
0
out of 100
What this tool assumes
  • Updates happen locally in your browser; nothing is sent to any server.
  • Values are not inflation-adjustedInflation-adjustedAdjusted for rising prices. Some amounts move with inflation, like IRS tax brackets, TIPS principal, or I-bond rates. Others are restated in today's dollars so different years can be compared: by the BLS consumer price index, $30,000 in 1985 bought about what $93,000 buys in 2026.; track the trend, not the absolute number.

All data stays in your browser. Nothing is sent to any server.

HOW THIS IS CALCULATED

This tool runs entirely in your browser: no data is sent to any server. The assumptions and default values behind the result are listed under “What this tool assumes” on this page. Verify the methodology or inspect the source code in your browser's dev tools.

Where to go from here

Read next

Net Worth Milestones

Priorities shift as net worth grows: what matters at $5,000 isn't what matters at $500,000.

Explore further
  • Asset AllocationWhat asset allocation is and why it drives ~90% of long-term return variance.
  • Net Worth Milestone TrackerTracks assets, liabilities and Bitcoin allocation against fixed net-worth milestones, saved in your browser.
  • Net Worth by Age PercentileShows where your net worth falls in the US distribution for your age group, using Federal Reserve survey data.

Sources

Bracketed numbers in the text link to these sources. Figures, rates and rules change: check each source’s date before acting on it.

  1. SEC Investor.gov, Figure Out Your Finances ↩

Calculators are educational estimates, not financial advice. Disclosures · How pages are reviewed