Net-worth tracking
Brings assets and liabilities into one view, and tracks financial position over time.
Personal Financial Management System
A self-developed, multi-currency financial tracking and analytics workbook.
A clearer picture of the whole.
I wanted a centralized way to understand, organize, and analyze my finances. What began as tracking balances developed into a workbook connecting accounts, currencies, net worth, and financial change.
What the workbook does.
Multi-currency accounting
Organizes balances across currencies with exchange-rate conversion.
Accounts, owed & due
Keeps track of account balances, money owed, and money due.
Financial breakdowns
Separates financial information into categories that are easier to interpret.
Historical analysis
Keeps a record of changes in financial position for comparison over time.
Dashboards & visualizations
Uses Excel formulas, charts and organized records to communicate financial information clearly.
The structure behind the dashboard.
TNW
A view of total net worth and its change over time.
FX
Exchange-rate records and multi-currency conversion.
Breakdown
A categorized view of financial information.
Balances Owned & Due
Balances, money owed, and money due.
These are parts of my personal workbook. This is an independent financial-management project, rather than professional accounting software or an established commercial product.
The skills it brings together.
Built through repeated improvements.
The workbook grew through repeated improvements: adding financial breakdowns, records of balances owned and due, exchange-rate handling, and charts that make changes easier to read. A simplified and monetized beginner template followed as a separate project.
Personal financial milestones.
1 May 2026
Approximately US$10,000 in net worth
A meaningful personal financial milestone, reached at age 17.
A demonstration of the idea.
Everything in the charts and interactive example below is fictional demonstration data. This is a web illustration of the workbook’s concepts, not a screenshot or reproduction of my actual Excel data.
Fictional demonstration data · USD
An example progression
View demonstration values
| Period | Example net worth (USD) |
|---|---|
| Month 1 | $2,000 USD |
| Month 2 | $2,600 USD |
| Month 3 | $3,100 USD |
| Month 4 | $3,900 USD |
| Month 5 | $4,400 USD |
| Month 6 | $5,100 USD |
Interactive demonstration — fictional data
Put a small financial picture together.
Add a fictional asset or liability, then see how it changes the calculation. Nothing here is connected to my workbook, accounts, or saved financial records.
Fictional net worth
| Item | Type | Amount | Action |
|---|
Fixed illustrative exchange rates are used for the demonstration. They are not current market quotes. Changes stay in this browser page and reset when it reloads.
What I learned.
Building and maintaining the system taught me the value of consistent data organization and clear definitions. A useful dashboard depends on the records behind it, and the structure has to remain understandable as more information is added.