Net Worth Calculator

Interactive Calculator

CFO Thinking for Your Life

Just like a company has a balance sheet, you have one too:

Assets (what you own) = Liabilities (what you owe) + Equity (your net worth)

• Company CFO: Maximizes shareholder equity by growing assets and managing debt
• You as your own CFO: Maximize your net worth by growing investments and paying down debt

Your Personal Financial Statements

Business Finance	Personal Finance	What It Means
Balance Sheet	Net Worth Tracker	Snapshot of your wealth at a point in time
Income Statement	Budget/Cash Flow	Where money comes from and where it goes
Cash Flow Statement	Monthly Budget	Actual cash in/out each month
Equity	Net Worth	What you truly own after all debts
Assets	Investments, Property	Things that can generate returns
Liabilities	Debts, Loans	Obligations that cost you money
ROE (Return on Equity)	Net Worth Growth Rate	How fast you’re building wealth

Net Worth Milestones (Like Revenue Milestones for Startups)

• $0: Break even - you’ve climbed out of the hole
• $10k: Seed stage - first real cushion
• **$100k**: Series A - compound growth kicks in (Charlie Munger: "First$100k is a bitch”)
• $250k: Series B - serious wealth building
• $500k: Growth stage - financial security
• $1M: Exit/IPO - millionaire status, real options
• $10M+: Accredited investor tier, different game entirely