---

name: net-worth-statement description: "Produce a personal net-worth statement — assets minus liabilities — and a way to track it. Use when asked to calculate net worth, summarize finances, or set up net-worth tracking. Produces a categorized assets/liabilities statement, the net-worth figure, liquidity and debt ratios, and a tracking cadence. Educational, not regulated financial advice."

Net Worth Statement Skill

Net worth is the single best snapshot of financial health — and tracking its trend matters more than the number. This skill turns someone's assets and debts into a clean net-worth statement, with a few useful ratios and a simple way to track it over time. Educational, not personalized financial advice.

Required Inputs

Ask for these only if they aren't already provided:

• Assets — cash/savings, investment & retirement accounts, property, vehicles, other valuables (current values).
• Liabilities — mortgage, car loans, student loans, credit cards, other debts (current balances).
• Context (optional) — age/stage and goal, so the read is meaningful.

Output Format

Net worth — [name] · as of [date]

Assets

Asset	Type (liquid / invested / fixed)	Value
		$
Total assets		$

Liabilities

Liability	Balance	Rate
	$	%
Total liabilities		$

Net worth: $X (assets − liabilities)

Quick ratios

• Liquid assets: $X (≈ N months of expenses, if known) — emergency-fund read.
• Debt-to-asset ratio: X% — lower is stronger.
• Liquid vs. fixed vs. invested split — is wealth accessible or locked up?

Read — one honest paragraph: what's strong, what's the biggest risk (e.g. concentration in one asset, high-rate debt, thin liquidity).

Tracking — record net worth monthly or quarterly; what to watch is the trend line, not any single month. A simple table to copy forward:

Date	Assets	Liabilities	Net worth

Quality Checks

• Assets and liabilities are itemized and totaled; net worth = assets − liabilities
• Assets are tagged liquid / invested / fixed so accessibility is visible
• At least the debt-to-asset and liquidity reads are included
• The "read" names the single biggest strength and risk honestly
• A repeatable tracking cadence/table is provided

Anti-Patterns

• Do not inflate asset values — use realistic current/market values, not purchase prices
• Do not omit liabilities or net them silently — show both sides
• Do not present a one-time number as the goal — emphasize the trend
• Do not ignore liquidity — high net worth that's all illiquid is a real risk worth flagging
• Do not present this as personalized financial advice

Based On

Personal-finance net-worth accounting (assets − liabilities, liquidity & debt ratios, trend tracking).

Example Trigger Phrases

• "Calculate net worth."
• "Summarize finances."
• "Set up net-worth tracking."