A working preview of three calculators from the full 13-module Wealth Mastery dashboard. Net worth tracker, cash flow calculator, FI (financial independence) calculator. Use them right now. Save the page. Print it. Share it.
Net worth = assets minus liabilities. Run this once a quarter. The trajectory matters more than the number — a rising line at any starting point beats a falling line at any starting point.
| Asset | Value (USD) |
|---|---|
| Cash & checking | |
| Savings & high-yield savings | |
| Investment accounts (taxable) | |
| Retirement accounts (401k / IRA / super) | |
| Primary residence (current value) | |
| Investment property | |
| Vehicles & other assets | |
| Total Assets | $0 |
| Liability | Balance (USD) |
|---|---|
| Credit card balances | |
| Personal & auto loans | |
| Mortgage (primary) | |
| Mortgage (investment) | |
| Student loans | |
| Tax owing & other | |
| Total Liabilities | $0 |
Income minus expenses equals surplus or deficit. Track monthly. The surplus is what builds wealth; the deficit is what unwinds it. Most personal finance failures are not income failures — they're cash flow visibility failures.
"Financial Independence" target = 25× annual expenses (4% rule baseline). Adjust to 28× or 33× for conservative buffer. The number isn't a prediction — it's a useful shorthand for what wealth needs to be doing for you. The output that hits hardest is the years column.
Net worth, cash flow, and the FI calculator — these were the appetisers. The full Wealth Mastery has 10 more: asset allocation planner with drift analysis, budget worksheet (50/30/20), goal setter with compound-interest math, emergency fund calculator, debt payoff (snowball vs avalanche), investment tracker, annual wealth review, 7 wealth principles, tax-advantage concepts, and estate basics checklist.
Same single-file HTML. Owned forever. No subscription. No DRM. The welcome gift price.
See the full 13-module dashboard →