Net Worth Tracker & FIRE Wealth Simulator
Instant Digital Access
Liquid Runway Months, Asset Rebalancing Matrix & Coast FIRE Engine
- Wealth Command Center (Total Net Worth, Liquid Capital, Emergency Runway & FIRE Progress)
- Master Balance Sheet (Categorized tracking for HYSA, 401k, Roth IRA, Brokerage, Real Estate & Debts)
- 12-Month Net Worth Snapshots (Month-over-month $ growth, compounding velocity & savings rate %)
- FIRE & Freedom Simulator (Lean FIRE, Standard FIRE, Fat FIRE, Coast FIRE & Barista FIRE)
- Asset Allocation & Rebalance Matrix (Equities, Real Estate, Bonds, Cash, Crypto target weights)
- Includes Wealth & FIRE AI Prompt Pack (ChatGPT / Claude Prompts for tax drawdown sequencing & asset allocation audits)
- Light & Dark Mode Included (Google Sheets + Excel)
Instant digital download. All sales final. Message us anytime for help.
Take control of your complete financial picture and model early retirement milestones. The DownloadSuite Net Worth & FIRE Wealth Simulator tracks all assets, debts, liquid net worth, Coast FIRE age, and 30-year compound interest growth trajectories.
What's Included in This System:
- Net Worth Command Dashboard: Real-time Net Worth, Liquid Net Worth, Total Assets, Total Liabilities, and Debt-to-Asset ratios.
- Coast FIRE & Full FIRE Milestone Calculator: Calculates your exact Coast FIRE age and target retirement nest egg based on your annual spending.
- 30-Year Compound Growth Simulator: Projects portfolio growth across stocks, real estate, cash, and retirement accounts.
- Asset Allocation & Liquidity Matrix: Breaks down portfolio diversification across equities, fixed income, real estate, cash, and alternatives.
- Monthly Net Worth History & Milestone Charts: Visual progression graphs mapping your wealth accumulation over time.
How to Use:
- Update your asset balances (bank accounts, retirement funds, property) and liabilities (mortgage, auto, student loans) each month.
- Review your automated Net Worth and Liquid Net Worth metrics.
- Model your Coast FIRE milestones and simulate different savings rates to reach financial freedom faster.
Companion AI Prompt Vault:
Pairs seamlessly with our Personal Wealth & FIRE Master AI Strategist.
What's inside
- Start Here Quick-Setup Guide & Financial Independence Rules
- Wealth Command Dashboard with liquid capital & runway metrics
- Master Balance Sheet with liquidity tier classifications
- 12-Month Historical Net Worth Snapshots with MoM compounding formulas
- FIRE Scenario Engine with Coast FIRE age calculations
- Wealth & FIRE AI Prompt Guide tab + standalone AI_PROMPT_GUIDE.md
- Instant Google Sheets copy links + native Microsoft Excel workbooks (.xlsx)
FAQ
What is the difference between Total Net Worth and Liquid Capital?
Total Net Worth includes illiquid assets like primary home equity and retirement funds. Liquid Capital calculates immediately accessible cash and brokerage funds to determine your true emergency runway.
How does the Coast FIRE Engine calculate my retirement age?
It models your current invested portfolio with a 7% inflation-adjusted compound growth rate, showing the exact age your nest egg will reach your full retirement target without investing another dollar.
Does this work in both Google Sheets and Excel?
Yes! Both native Microsoft Excel (.xlsx) workbooks and instant Google Sheets copy links are included in both Light and Dark themes.