Aug 2025
0.00
First close of the household book.
Why this page exists
Thirteen numbers. Watch the months.
Own minus owe. Whether the month kept. How far the pile is from covering living. What you may spend when you start drawing.
Not a lifestyle cockpit and not a second freedom calculator. It is the command report — the same names as the sidebar. Balance Sheet is the position. Cash Flow is the kept share. FIRE Tracker & Forecast is when money can step aside. Path To Zero is the drawdown ceiling from age 50. Health & Vitality is one screening number. Life Experience is the earmark. A number that asks has its own page.
- Balance SheetOwn minus owe. Net worth today.
- Cash FlowKept share — true wealth accumulation / gross.
- FIRE Tracker & ForecastThe year money can step aside. Homes stay out.
- Path To ZeroSpend it while the body can. Hit zero — or a legacy — at the end.
13 cells · empty register. Net worth is assets minus liabilities on Balance Sheet. Savings is true wealth accumulation / gross on Cash Flow. Years to FIRE is the FIRE Tracker & Forecast headline. Path To Zero monthly is that page’s hero — shown here so you can open it, not as a 14th Excel cell. Life Vision, Kids Education, and Emergency Fund keep their own reports. Not advice.
§12.1 · empty register · Add an account. Same twelve snapshot slots as Balance Sheet.
Net worth
0.00
Balance Sheet · assets 0.00 · liabilities 0.00.
Assets − liabilities
Add an account
- Own
- 0.00
- Owe
- 0.00
- The rest
- 0.00
The rise is on what you own. Open Balance Sheet for the accounts.
Net worth, month by month
Now · Jul 2026
0.00
You are here. The walk appears with a month-end close.
FIRE target
0.00
On FIRE Tracker & Forecast. Caption only — not a series here.
Aug 2025 · first close
Each column is a month-end
Jul 2026 · you are here
Read left to right. Each column is a month-end close. July is you are here. FIRE target is a different scale (open FIRE Tracker & Forecast). Do not add a 13th August snapshot. The walk appears when there is a month-end close.
FIRE Tracker & Forecast · FI 0.00% — 0.00 of 0.00. Invested pile, not net worth. Homes stay out.
Cash Flow · Savings 0.00% — true wealth accumulation / gross, not leftover after every bill.
Life Experience · funding 0% — earmark 0.00, not a Demo pool.
Twelve month-end closes, Aug 2025–Jul 2026. Latest equals live 0.00. Same series as Balance Sheet. FIRE target is a caption, not a series here.
Own minus owe.
What is yours, less what is claimed. That remainder is the household.
- Assets
- 0.00
- Liabilities
- 0.00
- Net worth
- 0.00
PieceAmountReadingFigure
Assets
own
0
Liabilities
owe
0
Net worth
rest
0
Net Worth Breakdown. Δ 0.00 since the first close.
Kept, not leftover.
Savings is true wealth accumulation / gross. Leftover after bills is a different number.
- Savings
- 0.00%
- Spend
- 0.00
- Net free cash
- 0.00%
Income
0.00 / 0.00
Expenses
0.00 / 0.00
Monthly Budget vs Actual. July plan zeros. Income 0.00 / 0.00. Expenses 0.00 / 0.00. August grocery overlay is on Monthly Budget.
The year money can step aside.
Freedom Date appears on FIRE Tracker & Forecast. Investments 0.00 is the sleeve. FI pile 0.00 is liquid + Secure & Retirement Funds + Stock Portfolio. Homes stay out.
- Years to FIRE
- —
- FI progress
- 0.00%
- FIRE target
- 0.00
PieceAmountReadingFigure
Retirement
Secure
0
Equities
Stocks
0
Mutuals & cash
Cash
0
Investment Portfolio Breakdown. Sleeve 0.00 — Secure & Retirement Funds 0.00 · Stock Portfolio 0.00 · Mutual Funds & Cash 0.00. FI pile 0.00 of 0.00.
Spend it while the body can.
Guilt-free spend once you start drawing at 50. Hit zero — or a legacy — at 85.
- Monthly
- 0.00
- Start wealth
- 0.00
- Draw
- 50 → 85
Path To Zero · 0.00 / month · start wealth 0.00. Not one of the 13 Excel cells — open Path To Zero.
The only wealth you cannot reclaim.
BMI is a screening number, not a diagnosis. Latest log, not a 20-field dump.
- BMI
- —
- Status
- —
- As-of
- latest log
Health & Vitality · BMI appears with a log.
Execute while the body still can.
Saved 0 is the earmark. The pool lives on Life Experience. Money is the ticket, not the trip.
- Saved
- 0.00
- Funding
- 0.00%
- Pool
- 0.00
Life Experience · saved 0.00 · funding 0.00%.
Net worth vs life cover.
Workbook comparison. If they die tomorrow is the Insurances question — need minus cover, not this pair.
- Net worth
- 0.00
- Life cover
- 0.00
- Reading
- in force
PieceAmountReadingFigure
Net worth
workbook
0
Life cover
in force
0
Net Worth vs Life Insurance Coverage. NW 0.00 vs life 0.00. The gap vs liabilities + education stays on Insurances.
FIRE Tracker & Forecast · Balance Sheet · Cash & equivalents · Real estate & personal property · Debts · Cash Flow · Monthly Budget · Stock Portfolio · Secure & Retirement Funds · Emergency Fund · Insurances · Health & Vitality · Life Experience · Life Vision · Path To Zero · Kids Education
Close the month is not a sidebar item — it is a ritual from the reports.