Net Worth & Financial Freedom Dashboard
Know your real wealth, track your FIRE progress, and optimise your liabilities.
Your Assets
Your Liabilities
FIRE Goal
Net Worth
Your Assets
Your Liabilities
FIRE Goal
Liability Optimiser
Should You Pay Down Debt or Invest?
Your expected investment return (7.0%) exceeds your mortgage rate (3.5%). Over time, investing the surplus generates more wealth than paying down cheap debt.
Wealth Projection
Calculator purpose
Use this dashboard to separate assets, liabilities and investable capital before comparing debt repayment, investment or a FIRE target.
How It Works
This dashboard combines three tools in one: a Net Worth calculator (Assets − Liabilities), a FIRE tracker (using the 4% Rule), and a Liability Optimiser (comparing your debt cost vs. expected investment return). All calculations happen in your browser — no data is stored.
Worked Example
Worked Example: 330 000 € of assets less 150 000 € of liabilities equals 180 000 € net worth; with 1800 €/month of expenses, the indicative FIRE target is 540 000 €.
Frequently Asked Questions
What is Net Worth?▼
Net Worth = Total Assets − Total Liabilities. It is the most fundamental measure of personal financial health. A positive and growing net worth means you are building wealth.
What is the FIRE Number?▼
Your FIRE Number = Annual Expenses × 25. It is a planning convention based on a 4% withdrawal rate, not a guarantee. Local example: with 1800 €/month (21 600 €/year), the indicative target is 540 000 €.
Should I pay down my mortgage or invest?▼
If your expected investment return (e.g. 7% S&P 500) exceeds your mortgage rate (e.g. 3%), investing the surplus generates more wealth over time. However, paying down debt gives a guaranteed, risk-free return equal to your interest rate. Your risk tolerance and time horizon matter.
What are Lean, Regular, and Fat FIRE?▼
Lean FIRE = retiring on a minimal budget (70% of current expenses). Regular FIRE = maintaining your current lifestyle. Fat FIRE = retiring with a comfortable surplus (150% of current expenses). Each requires a different portfolio size.
What counts as investable assets?▼
Investable assets are liquid or semi-liquid assets: your investment portfolio (ETFs, stocks) and cash savings. Property equity is real wealth but is illiquid — it is included in Net Worth but not in the FIRE calculation, which focuses on income-generating assets.
For educational purposes only. Not financial advice. Consult a qualified financial advisor.