One focus for this month
Complete the monthly picture
Your next step will appear here.
Open planning toolsYour two-minute monthly reset
Your money, in one honest snapshot.
Enter seven numbers. Instantly see net worth, cash runway, savings rate, monthly breathing room, and the one move worth focusing on next.
Start my check-in
Live results update as you type
No account. Saved only in this browser. Export or erase anytime.
One screen. One next move.
01Add this month's real numbers
02See what changed since last time
03Act on the clearest weak point
Start here
What does this month look like?
Rough numbers are fine. Consistency matters more than false precision.
Your current snapshot
$0
Estimated net worth: cash + investments - debt
Cash runway0 moSave a check-in to track change.
Savings rate0%Based on entered take-home pay.
Monthly breathing room$0After essentials, debt payments, and saving.
Since the previous check-in
$0
Progress detail appears here.
Your private history
Monthly progress
Your first check-in becomes the baseline.Come back next month to see the direction, not just a one-day number.
A useful monthly review
Why these seven numbers work together
A single balance can look reassuring while monthly cash flow is tight, or look discouraging while debt is falling quickly. The check-in keeps liquidity, saving, debt, and long-term assets in the same view.
Net worth shows direction
Cash and investment balances minus debt provide a simple trend line. Month-to-month noise is normal; the useful question is whether the direction matches the work you are doing.
Cash runway shows resilience
Dividing available cash by monthly essentials estimates how long the buffer could cover the basics. It does not replace insurance or an emergency plan, but it makes liquidity visible.
Savings rate shows the habit
Monthly saving and investing as a share of take-home income connects everyday cash flow to longer-term progress. Use the same definition each month so the comparison stays meaningful.
Breathing room shows flexibility
Income left after essentials, debt payments, and planned saving is not automatically available to spend. It is a practical signal for irregular costs and how much a new commitment may squeeze the plan.
Questions
Monthly check-in FAQ
Where is my check-in history stored?
Your check-ins are stored in local browser storage on this device. ClearWorth does not require an account or send the entries to a server.
What should I update each month?
Update take-home income, essential spending, debt payments, monthly saving, cash, investments, and debt balances using the same definitions each month.
Is net worth enough to measure financial health?
No. Net worth is one useful trend, but cash access, income stability, debt terms, insurance, taxes, goals, and personal obligations also matter.