Personal Net Worth Statement
List what you own and what you owe, and get back a calculated personal net worth statement — not a blank template. Every asset and liability is restated, every subtotal and the final net worth figure is computed and the arithmetic is shown, so you can see exactly where you stand. Built for Australians: AUD throughout, super and offset-account aware, and written in plain English by something that reads like a sharp bookkeeper. Includes a breakdown of your asset mix and debt load, plus a concrete plan to lift your net worth over the next 12 months. This is not the same as a template document — you put in your own numbers and get an analysed statement back.
Your net worth is a real number that almost nobody has ever written down. It sits in fragments — a balance in one banking app, a super figure behind another login, a mortgage total on a statement in a drawer, a car loan you would rather not think about. Every piece is knowable on its own. The sum, which is the only figure that actually describes where you stand, has never been assembled in one place.
The Personal Net Worth Statement assembles it. A$19 one-off, back in around five minutes: you list what you own and what you owe, and the statement returns with assets and liabilities in labelled tables, every subtotal calculated, and the final net worth figure computed with the arithmetic shown. It is an analysed statement, not a blank template with your name typed at the top.
Nothing here connects to your accounts. No bank feed, no logins, no scanning, no ongoing monitoring — you enter the figures yourself, and the result is dated to the statement date you nominate. That makes it a considered snapshot rather than a live tracker, and the total is only ever as good as the numbers you put in.
Every figure calculated, and the working left in
You supply the numbers; the calculation is the product. Assets and liabilities are restated into labelled tables, each subtotal is worked out for you, and the final figure is presented as arithmetic you can follow line by line. When a total looks wrong, you can trace the entry that caused it instead of arguing with a black box.
Everything is stated in AUD and written for Australian circumstances — super and offset accounts are treated as what they are, and the commentary reads like a sharp bookkeeper rather than a textbook.
The shape underneath the number
Two people can land on the same net worth and be nowhere near the same position. One holds cash and shares. The other is entirely inside a house with a large loan against it. The statement separates your assets by mix — liquid, property, super — and reads your debt load, distinguishing good debt from bad, with plain-English commentary on what that shape means in practice.
That breakdown is usually the part people did not know they were missing. The headline figure is easy to quote. The composition is what determines how much room you actually have.
Where the twelve-month plan points
The statement closes with a plan for the year ahead: three practical moves to widen the gap between what you own and what you owe, built on the position the statement has just set out. Because they sit on your own composition, they read as instructions about your balance sheet rather than about balance sheets in general.
Handing it to an accountant, a lender or the family
Delivery is an on-page report plus a Markdown download, which prints cleanly to PDF and pastes into Word — the formats you need when the statement is going to somebody else. Two free AI revisions come with it, so a forgotten account or a mistyped balance is a correction rather than a fresh order.
One caveat travels with the document. It is general information, not personal financial advice, and no asset is independently valued or verified. If it is heading into a loan application, an estate discussion or a decision of any real size, treat it as a well-ordered starting point for a qualified accountant or licensed financial adviser who knows your full circumstances.
What you get
- A clean personal net worth statement in Markdown, with assets and liabilities in labelled tables
- Every subtotal and your final net worth figure calculated, with the arithmetic shown so it ties out
- An asset-mix and debt-load breakdown (liquid vs property vs super, good vs bad debt)
- Plain-English commentary on what your position means, in AUD
- A 12-month plan with 3 practical moves to grow your net worth
- 2 free AI revisions included
Turnaround: ~5 minutes. Delivery: On-page report + Markdown download (print to PDF / paste to Word).
Frequently asked questions
What if I can't value my house or car precisely?
Use a reasonable estimate — a recent appraisal, a comparable sale down the street, your latest super balance. The statement restates and calculates using the figures you provide; it does not independently value or verify any asset. Where a valuation is genuinely uncertain, err low, so the final number isn't quietly flattering you.
Is there a spreadsheet, or a calculator I can keep using?
No. You receive an on-page report on your order page plus a Markdown download, which prints cleanly to PDF and pastes into Word. There is no Excel or Google Sheets file and no live calculator — the arithmetic is already done and shown on the page.
Do you need logins or access to my accounts?
Neither, and you shouldn't hand them over. Every figure is typed into the intake form by you. Only the statement date and your cash and bank accounts are required; property, super, vehicles, investments, credit cards, personal loans and the mortgage go in as they apply to you.
Does anything renew, and can I run this again next year?
Nothing renews. It is a one-off document, not a subscription. Two free AI revisions are included if you need to correct or add something after delivery, and a fresh statement in twelve months is simply a new order.