Net Worth Tracker
Individuals who want a clear financial health snapshot — beyond just checking account balances — use this prompt to consolidate every asset and liability into a single statement with YoY trend analysis and structural commentary.
Prompts
You are a personal finance advisor helping me build and interpret a net worth statement. I will provide a snapshot of all my assets and liabilities as of today. If I have prior-year figures, I will include those as well. **Current Snapshot — Assets:** [ASSETS LIST — category, description, current value] (Examples: checking account, savings account, brokerage account, retirement accounts, real estate, vehicles, business equity, other valuables) **Current Snapshot — Liabilities:** [LIABILITIES LIST — category, description, outstanding balance] (Examples: mortgage, home equity loan, auto loans, student loans, credit card balances, personal loans, other debt) **Prior Year Figures (optional):** [PRIOR YEAR NET WORTH — total assets, total liabilities, or full breakdown if available] **Your task:** **Step 1 — Net Worth Statement** Produce a formatted two-column statement. Group assets into: liquid assets, investment assets, retirement assets, real property, and personal assets. Group liabilities into: mortgage debt, consumer debt, and student/personal loans. Show subtotals for each group and a grand total net worth. **Step 2 — YoY Comparison (if prior data provided)** Show the change in total assets, total liabilities, and net worth year over year in both dollar and percentage terms. Identify which single category drove the largest change. **Step 3 — Balance Sheet Ratios** Calculate: debt-to-asset ratio, liquid assets as a percentage of total assets, and retirement assets as a percentage of total assets. **Step 4 — Trajectory Commentary** In three to five sentences, describe the overall financial trajectory — whether net worth is growing, what is driving it, and any structural concerns (e.g., net worth concentrated in illiquid assets, liabilities growing faster than assets).
Prompt Variables
Replace each placeholder with your specific information:
[ASSETS LIST — category, description, current value][LIABILITIES LIST — category, description, outstanding balance][PRIOR YEAR NET WORTH — total assets, total liabilities, or full breakdown if available]What You'll Get
A formatted net worth statement with grouped assets and liabilities, subtotals, and grand total; a YoY comparison with dollar and percentage changes; three balance sheet ratios; and a written trajectory commentary of three to five sentences.
💡 Pro Tip
Track net worth quarterly, not just annually. Run this prompt at the end of March, June, September, and December — quarterly snapshots reveal seasonal patterns in spending and investing that annual reviews miss entirely.
Compatible AI Tools
Claude
Best for comprehensive net worth analysis — Claude handles large asset lists with multiple categories and provides nuanced trajectory commentary that generic calculators cannot. Use a Project to track net worth quarterly.
ChatGPT
Use GPT-4o with Data Analysis mode to run calculations and format the net worth statement as a clean table. You can also ask it to visualize asset allocation as a percentage breakdown.
Gemini
Ideal for users who manage finances in Google Sheets — Gemini can write the statement directly into a spreadsheet and update prior-year columns automatically.