Net Worth Worksheet Check: Assets, Debts and Valuation Assumptions
Review a net worth calculation for omissions and optimism.
Added October 15, 2026. Written with AI assistance and checked for clarity and placeholders; not reviewed by a lawyer, accountant, clinician or other professional. How these prompts are made
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Review my net worth worksheet. Assets with values and how I estimated them: [ASSETS]. Debts with balances: [DEBTS]. The date of the figures: [FIGURES_DATE]. Recompute the totals and net worth with the arithmetic. Check that assets are valued realistically (what could I sell it for, not what I paid), that the same item is not counted twice, that debts include everything (loans, cards, buy now pay later, tax owed), and that retirement and illiquid assets are shown separately. Make a table with Item, Value, Source of the value, Confidence, and Note. Show a version with a 10 percent haircut on uncertain assets. Add a plan to update it quarterly. This is a tracking exercise, not financial advice. Add a worked example: assets 182,000 (home 150,000, savings 12,000, car 9,000, pension 11,000) and debts 118,000 (mortgage 112,000, card 4,200, car loan 1,800), net worth 64,000; with a 10 percent haircut on the home and car the assets become 166,100 and net worth 48,100. Explain what the exercise does and does not tell me.
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