A balance sheet for a household: what is owned, what is owed, and the difference between them. Name the lines yourself; the totals keep themselves.
Statement of Household Position
+ Assets what is owned
Total assets$0
− Liabilities what is owed
Total liabilities$0
Net position
$0
Add a few lines above and the statement will take shape.
Proportion of assets to liabilities
Assets —
Liabilities —
Liabilities per dollar of assets —
Saved automatically in this browser only. Nothing is sent anywhere.
Reading notes
How to prepare a useful statement
How to use it
Fill in only the lines that apply. Rename any line to match your own accounts, and add as many as you need.
Enter each amount as of a single date and set that date at the top, so the statement is a snapshot rather than a blur.
Include every debt, even small ones. A statement that leaves out liabilities flatters nobody but the reader’s hopes.
Return to the page on a regular schedule and compare snapshots. The direction of change is more informative than any single total.
What it assumes
Every amount is a number you supply. The page does not look anything up and cannot value a home, a vehicle or a business for you.
Assets are entered at what you believe they could be sold for, not at what was paid. Liabilities are the amount currently owed.
Taxes that would be due on a sale or a withdrawal are not subtracted.
Edge cases and privacy
An amount that is not a number is flagged on its line and counted as zero until corrected. Negative amounts are not accepted.
If liabilities exceed assets the net position is shown in parentheses and labelled a deficit; it is not hidden in colour alone.
The statement is saved in this browser’s local storage. If storage is unavailable, it is held in memory until the page is closed. Clearing site data erases it.
Because it lives on one device, it is not backed up. Print or save a copy of anything you wish to keep.
A statement is a picture, not a verdict. The questions page covers common uncertainties.