How This Calculator Works & Financial Methodology
Aggregates your liquid assets (Cash, High-Yield Savings, Equities/ETFs, Gold/Bullion) and illiquid assets (Real Estate, Business Equity), subtracts short- and long-term liabilities, and compares your current asset class weights against institutional target allocations (Conservative, Balanced, or Aggressive Growth). Optional local browser save lets you update your numbers anytime without sending data to a server.
Personal Balance Sheet & Portfolio Drift Formula
Net Worth = Total Assets − Total Liabilities; Rebalance Delta(i) = (Target Weight(i) × Investable Assets) − Current Asset(i)